BCML

BayCom Corp is a bank holding company headquartered in Walnut Creek, California, operating through its wholly owned subsidiary United Business Bank. The bank provides a full range of commercial banking services to small and medium-sized businesses, professionals, and individuals in the San Francisco Bay Area and surrounding communities. Founded in 2004, United Business Bank has established itself as a trusted community banking partner serving one of the most dynamic and economically vibrant regions in the United States. United Business Bank specializes in commercial and industrial lending, commercial real estate financing, SBA lending, construction loans, agricultural loans, and business lines of credit. The bank has developed particular expertise in serving diverse industries including technology, professional services, real estate, manufacturing, retail, and agriculture. The bank's business model emphasizes relationship banking with personalized service, local decision-making authority, and flexible product solutions tailored to client needs. On the deposit side, BayCom offers business checking and savings accounts, treasury management services, remote deposit capture, and other cash management tools designed for commercial clients. The bank differentiates itself through experienced local bankers who provide consultative advice and quick responses to client needs, competing effectively against larger regional and national banks. BayCom has maintained strong credit quality, solid capital ratios, and consistent profitability. The company has expanded both organically and through strategic acquisitions, including the 2021 acquisition of Simplicity Bancorp which significantly expanded BayCom's presence in Southern California. The company serves its markets through multiple banking offices and commercial lending centers, combining community bank service with sophisticated product capabilities.