Company Overview

BayCom Corp is a U.S. bank holding company headquartered in Walnut Creek, California, operating primarily through its wholly owned banking subsidiary, United Business Bank. The company provides commercial banking and financial services focused on small- to medium-sized businesses, professionals, real estate investors, and individual customers. BayCom operates within the regional banking industry, with revenue generated primarily through net interest income from commercial and real estate lending activities, along with fee-based banking services.

The company’s principal business lines include commercial real estate lending, commercial and industrial lending, construction lending, Small Business Administration (SBA) lending, and deposit services. BayCom has historically positioned itself as a relationship-focused community banking organization serving local and regional markets in the western United States. The company traces its origins to the founding of United Business Bank in 2004, and it expanded through both organic growth and acquisitions of community banking assets and branches in targeted regional markets.

Business Operations

BayCom conducts substantially all operations through United Business Bank, which serves businesses and consumers through branch banking, treasury management, deposit accounts, and lending products. The company’s revenue is primarily driven by interest income on loans and investment securities, with additional income derived from service charges, loan servicing, and SBA loan sales. Its loan portfolio includes commercial real estate, owner-occupied real estate, multifamily properties, construction loans, and commercial business loans.

The company operates primarily within the United States, with banking offices concentrated across California, Washington, New Mexico, Colorado, and selected additional western markets. BayCom maintains a community banking model emphasizing local market expertise and relationship-based underwriting. The company also manages SBA lending operations and has historically participated in acquisition-related expansion initiatives involving community bank branches and customer portfolios.

Strategic Position & Investments

BayCom’s strategic direction has focused on disciplined loan growth, deposit expansion, operational efficiency, and selective geographic expansion within attractive regional banking markets. Management has emphasized maintaining strong credit quality and capital ratios while growing commercial lending relationships in underserved or relationship-oriented banking segments. The company has also invested in digital banking capabilities and treasury management services to support commercial clients and improve operational scalability.

Historically, BayCom has pursued acquisitions and branch purchases to strengthen market presence and diversify regional exposure. The company has integrated acquired banking operations into United Business Bank to expand customer reach and lending capabilities. BayCom’s strategy has also included increasing participation in SBA lending programs and expanding fee-generating activities associated with loan servicing and treasury products. Data regarding significant emerging technology investments beyond standard banking digitization initiatives is inconclusive based on available public sources.

Geographic Footprint

BayCom operates primarily across the western United States, with its headquarters located in California and branch operations extending into Washington, Colorado, and New Mexico. The company’s market presence is concentrated in regional commercial banking markets where management believes relationship banking and localized credit decision-making provide competitive advantages against larger national institutions.

The company does not maintain a significant international operational footprint and derives substantially all revenue from domestic banking activities. Its influence is centered on regional commercial banking markets within the United States, particularly in business-oriented and real estate-focused lending sectors across western metropolitan and suburban regions.

Leadership & Governance

BayCom is led by an executive team with backgrounds in commercial banking, credit administration, and regional financial institution management. Leadership has consistently emphasized conservative underwriting standards, relationship banking, disciplined capital management, and long-term franchise growth through both organic expansion and selective acquisitions.

Key executives include:

• George J. Guarini – Chairman of the Board
• David A. Andersen – President and Chief Executive Officer
• Christine A. VanEvera – Executive Vice President and Chief Financial Officer
• James J. Kim – Executive Vice President and Chief Credit Officer
• J. Daniel Dyer – Executive Vice President and Chief Banking Officer

The company’s governance structure follows standard U.S. public bank holding company practices, with oversight provided through its board of directors and regulatory compliance frameworks applicable to federally regulated banking institutions. Leadership communications and public filings have consistently emphasized prudent balance sheet management, controlled growth, and maintaining strong regulatory capital positions.