BayCom Corp - Asset Resilience Ratio
BayCom Corp (BCML) has an Asset Resilience Ratio of 7.08% as of June 2026. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing. See BayCom Corp current assets vs equity to evaluate short-term liquidity relative to the company's equity base.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2012–2025)
This chart shows how BayCom Corp's Asset Resilience Ratio has changed over time. For the complete balance sheet picture, see BCML total asset value.
Liquid Assets Composition Over Time
This chart breaks down BayCom Corp's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. Explore BCML long-term investments to assets to see how much of total assets are deployed in long-term investments.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $182.71 Million | 7.08% |
| Total Liquid Assets | $182.71 Million | 7.08% |
Asset Resilience Insights
- Limited Liquidity: BayCom Corp maintains only 7.08% of assets in liquid form.
- This low level may indicate efficient asset utilization but could pose risks during economic downturns.
- The company has significant short-term investments, indicating active treasury management.
BayCom Corp Industry Peers by Asset Resilience Ratio
Compare BayCom Corp's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Santander Bank Polska S.A.
WAR:SPL |
Banks - Regional | 4.41% |
|
Banco Santander Chile
NYSE:BSAC |
Banks - Regional | 7.94% |
|
Bank of Baroda
NSE:BANKBARODA |
Banks - Regional | -12.63% |
|
Turkiye Is Bankasi AS Class C
IS:ISCTR |
Banks - Regional | -38.78% |
|
Ringkjoebing Landbobank A/S
CO:RILBA |
Banks - Regional | 0.03% |
|
ABSA Bank Limited
JSE:ABSP |
Banks - Regional | 2.72% |
|
Mechanics Bank
NASDAQ:MCHB |
Banks - Regional | 18.39% |
|
Laurentian Bank Of Canada
TO:LB |
Banks - Regional | 0.55% |
Annual Asset Resilience Ratio for BayCom Corp (2012–2025)
The table below shows the annual Asset Resilience Ratio data for BayCom Corp.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-12-31 | 6.93% | $179.71 Million | $2.59 Billion | +6.85pp |
| 2024-12-31 | 0.07% | $1.99 Million | $2.66 Billion | -0.17pp |
| 2023-12-31 | 0.25% | $6.34 Million | $2.55 Billion | -5.88pp |
| 2022-12-31 | 6.13% | $154.00 Million | $2.51 Billion | -0.49pp |
| 2021-12-31 | 6.62% | $155.66 Million | $2.35 Billion | +1.36pp |
| 2020-12-31 | 5.26% | $115.59 Million | $2.20 Billion | -0.75pp |
| 2019-12-31 | 6.01% | $119.89 Million | $1.99 Billion | -0.74pp |
| 2018-12-31 | 6.75% | $99.80 Million | $1.48 Billion | +3.50pp |
| 2017-12-31 | 3.25% | $40.51 Million | $1.25 Billion | +1.19pp |
| 2016-12-31 | 2.06% | $13.92 Million | $675.30 Million | -1.73pp |
| 2015-12-31 | 3.79% | $23.61 Million | $623.30 Million | +0.31pp |
| 2014-12-31 | 3.48% | $17.54 Million | $504.39 Million | -18.99pp |
| 2013-12-31 | 22.47% | $76.92 Million | $342.30 Million | +0.69pp |
| 2012-12-31 | 21.78% | $68.96 Million | $316.58 Million | -- |
About BayCom Corp
BayCom Corp operates as the bank holding company for United Business Bank that provides various financial services to small and mid-sized businesses, service professionals, and individuals. The company provides demand, savings, money market, and time deposit accounts. It also offers commercial and multifamily real estate loans, including owner-occupied and investor real estate loans; commercial a… Read more