Walnut Creek, CA · Cert 57716 · Baycom Corp.
State charter, Fed member · FED · 34 branches
Q2 2026
Market Position · San Francisco-Oakland-Fremont, CA · 2026 SOD (annual) · 0.1% share · #32 of 69 inst. · $0.7B of $513.2B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.10% | 0.90% | 1.15% | 1.29% | -1.05% | -215 bps | |
| Return on Equity | 7.36% | 6.63% | 9.22% | 10.12% | -8.27% | -1,563 bps | |
| Net Interest Margin | 3.77% | 3.81% | 3.92% | 3.95% | 3.79% | +1 bps | |
| Efficiency Ratio | 60.36% | 58.49% | 59.69% | 60.62% | 106.68% | +4,632 bps | |
| Non-Interest Burden | 2.18% | 2.11% | 2.22% | 2.28% | 4.01% | +183 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.13% | 1.68% | -2.62% | 3.34% | -1.58% | -271 bps | |
| Loan Growth (YoY) | 7.30% | 6.71% | 5.76% | 2.26% | 3.75% | -355 bps | |
| Deposit Growth (YoY) | 0.57% | 4.27% | -0.98% | 6.18% | -0.66% | -123 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.81% | 0.68% | 0.65% | 0.83% | 0.47% | -35 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.16% | 0.00% | 0.00% | 0.55% | +55 bps | |
| Allowance / Loans | 0.93% | 1.02% | 1.03% | 1.02% | 1.11% | +17 bps | |
| Allowance Coverage of NPLs | 1.1x | 1.5x | 1.6x | 1.2x | 2.4x | +1.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 14.03% | 10.88% | 11.45% | 11.70% | 11.66% | -237 bps | |
| Total Risk-Based Capital | 18.28% | 14.56% | 14.87% | 15.55% | 14.87% | -342 bps | |
| Equity / Assets | 14.93% | 12.28% | 12.67% | 12.74% | 12.72% | -221 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 91.44% | 91.24% | 93.09% | 88.72% | 95.50% | +406 bps | |
| Liquid Assets / Assets | 10.35% | 7.98% | 6.97% | 10.92% | 6.06% | -429 bps | |
| CRE / Total Capital | n/a | 614% | 607% | 575% | n/a | n/a | |