BayCom Corp is a California-based bank holding company that operates United Business Bank, a commercial bank serving small and mid-sized businesses, service professionals, and individuals through a network of full-service branches across California, Nevada, Washington, New Mexico, and Colorado. The bank generates revenue primarily from net interest income earned on its loan portfolio—predominantly commercial real estate loans—and deposit products, along with noninterest income from service charges, fees, loan sales, and merchant services. BayCom targets relationship banking within local communities, maintaining capital discipline through share repurchases and debt management while funding lending activities through customer deposits and wholesale funding sources.