BayCom is a bank holding company headquartered in Walnut Creek, California. Its banking subsidiary, United Business Bank, operates 34 full-service branches across California, Colorado, New Mexico, Nevada, and Washington, serving small and medium-sized businesses, professional firms, real estate investors, and labor unions. BayCom's core product is commercial lending, with commercial real estate (CRE) loans making up roughly 85% of its $2.0B loan portfolio, covering property types including retail, multifamily, hotels, office, and industrial. The remaining portfolio is primarily commercial and industrial (C&I) loans — lines of credit, equipment loans, working capital loans, and SBA loans. BayCom earns money primarily through net interest income: the spread between what it earns on loans and what it pays on deposits. BayCom's funding strategy centers on gathering low-cost core deposits from labor unions, small businesses, and community markets — including lower-cost rural markets in Colorado and New Mexico — then deploying that capital into commercial loans in higher-demand metro markets like the Bay Area and Los Angeles. BayCom is an SBA preferred lender and sells the guaranteed portions of SBA 7(a) loans in the secondary market for supplemental fee income. BayCom positions itself as a relationship bank, emphasizing direct access to decision-makers over the standardized processes of larger banks. Growth has been driven primarily by acquisitions — ten since 2010, adding roughly $2.3B in assets — targeting community banks with established deposit bases, which BayCom integrates onto its platform to capture efficiency gains.