BayCom Bancorp operates as the bank holding company for Bay Commercial Bank, a California-chartered commercial bank headquartered in San Mateo. Through its subsidiary, the company delivers a broad suite of banking and financial services tailored to small and medium-sized businesses, professional practices, real estate developers, and individual clients. BayCom’s core activities include commercial and residential real estate lending, SBA loan origination, deposit account services, cash management, and treasury solutions.
The company’s product lineup encompasses a range of deposit offerings such as checking, savings and money market accounts, along with certificates of deposit and business sweep accounts. On the lending side, BayCom provides term loans, lines of credit, construction financing, and multifamily mortgage loans. It also offers specialized services including trade finance, letters of credit, foreign exchange, and wealth management solutions through selected partner arrangements.
BayCom serves clients primarily across the San Francisco Bay Area, Sacramento region and Southern California, maintaining branches in key metropolitan centers to support local communities and businesses. The bank places particular emphasis on relationship-driven service, leveraging its local market knowledge to serve technology firms, professional service providers and real estate investors. Its geographic footprint and industry focus enable it to navigate region-specific economic cycles and regulatory environments.
Founded in 1999 by a group of Bay Area entrepreneurs, BayCom has grown by emphasizing personalized service and community engagement. The company’s executive leadership team brings decades of collective experience in commercial banking, real estate finance and fintech innovation. An independent board of directors provides oversight, ensuring risk management and strategic alignment with long-term growth objectives.
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