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REGULATORY MATTERS (Tables)

12 Months Ended

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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- References

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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

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