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REGULATORY MATTERS (Tables) | 12 Months Ended
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Dec. 31, 2020
REGULATORY MATTERS |
Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations | The following is a summary of actual capital amounts and ratios as of the dates indicated, for the Company (assuming it was subject to regulatory capital requirements) and the Bank compared to the requirements for minimum capital adequacy and classification as Well Capitalized: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | As of December 31, 2020 | ​ | As of December 31, 2019 |
​ |  | Amount |  | Ratio |  | Amount |  | Ratio |
​ | ​ | (Dollars in thousands) | ​
Leverage Ratio |  | ​ |  |  |  |  | ​ |  |  |  | ​
BayCom Corp | ​ | $ | 201,519 |  | 9.58 | % | $ | 207,575 |  | 11.15 | %
Minimum requirement for "Well Capitalized" | ​ |  | 105,225 |  | 5.00 | % |  | 93,659 |  | 5.00 | %
Minimum regulatory requirement | ​ |  | 84,180 |  | 4.00 | % |  | 74,927 |  | 4.00 | %
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
United Business Bank | ​ |  | 224,169 |  | 10.18 | % |  | 213,749 |  | 10.98 | %
Minimum requirement for "Well Capitalized" | ​ |  | 110,136 |  | 5.00 | % |  | 97,313 |  | 5.00 | %
Minimum regulatory requirement | ​ |  | 88,109 |  | 4.00 | % |  | 77,850 |  | 4.00 | %
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Common Equity Tier 1 Ratio | ​ |  |  |  |  | ​ |  |  |  |  | ​
BayCom Corp | ​ |  | 201,519 |  | 12.78 | % |  | 207,575 |  | 13.81 | %
Minimum requirement for "Well Capitalized" | ​ |  | 102,472 |  | 6.50 | % |  | 97,714 |  | 6.50 | %
Minimum regulatory requirement | ​ |  | 70,942 |  | 4.50 | % |  | 67,648 |  | 4.50 | %
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
United Business Bank | ​ |  | 224,169 | ​ | 14.22 | % |  | 213,749 | ​ | 14.23 | %
Minimum requirement for "Well Capitalized" | ​ |  | 102,440 |  | 6.50 | % |  | 97,624 |  | 6.50 | %
Minimum regulatory requirement | ​ |  | 70,920 |  | 4.50 | % |  | 67,586 |  | 4.50 | %
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Tier 1 Risk-Based Capital Ratio | ​ |  |  |  |  | ​ |  |  |  |  | ​
BayCom Corp | ​ |  | 211,004 |  | 13.38 | % |  | 217,060 |  | 14.44 | %
Minimum requirement for "Well Capitalized" | ​ |  | 126,120 |  | 8.00 | % |  | 120,264 |  | 8.00 | %
Minimum regulatory requirement | ​ |  | 94,590 |  | 6.00 | % |  | 90,198 |  | 6.00 | %
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
United Business Bank | ​ |  | 224,169 |  | 14.22 | % |  | 213,749 |  | 14.23 | %
Minimum requirement for "Well Capitalized" | ​ |  | 126,080 |  | 8.00 | % |  | 120,153 |  | 8.00 | %
Minimum regulatory requirement | ​ |  | 94,560 |  | 6.00 | % |  | 90,114 |  | 6.00 | %
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Total Risk-Based Capital Ratio | ​ |  |  |  |  | ​ |  |  |  |  | ​
BayCom Corp | ​ |  | 293,919 |  | 18.64 | % |  | 224,875 |  | 14.96 | %
Minimum requirement for “Well Capitalized” | ​ |  | 157,650 |  | 10.00 | % |  | 150,330 |  | 10.00 | %
Minimum regulatory requirement | ​ |  | 126,120 |  | 8.00 | % |  | 120,264 |  | 8.00 | %
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
United Business Bank | ​ |  | 242,084 |  | 15.36 | % |  | 221,564 |  | 14.75 | %
Minimum requirement for "Well Capitalized" | ​ |  | 157,600 |  | 10.00 | % |  | 150,191 |  | 10.00 | %
Minimum regulatory requirement | ​ |  | 126,080 |  | 8.00 | % |  | 120,153 |  | 8.00 | %

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- Definition Tabular disclosure of the capital amounts and ratios as of the balance sheet date, indicating whether the entity or entities are in compliance with regulatory capital requirements, by entity. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1B -URI http://asc.fasb.org/extlink&oid=117337116&loc=SL5958570-112826 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1 -Subparagraph (c)(1) -URI http://asc.fasb.org/extlink&oid=117337116&loc=SL5958568-112826 + Details
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