MASHINIi

BayCom Corp.

BCML.US | Other monetary intermediation

BayCom Corp is the holding company for United Business Bank. The bank provides a range of commercial banking services to businesses, professionals, and individuals. These services include commercial and industrial loans, commercial real estate loans, construction and land development loans, agricult...Show More

Ethical Profile

Mixed.

BayCom Corp (BCML.US) shows a mixed ethical standing. In 2023, the company invested $4.2 million in digital banking technology, including cybersecurity, and provides regular employee security training. They engage cybersecurity experts and claim compliance with CalOPPA and COPPA, using SSL encryption. However, critics note cybersecurity investment is only 1.2% of operating expenses, with limited information on AI ethics or advanced security. While no material data breaches are reported, this area received a moderately negative assessment. BayCom has committed $74.2 million in community development loans. Employee reviews reportedly mention benefits like health insurance but also concerns about high deductibles. Sustainalytics assigned a 'High' ESG Risk Rating of 32.8, pending full assessment.

Value Scores

Better Health for All0
-100100
Fair Money & Economic Opportunity0
-100100
Fair Pay & Worker Respect0
-100100
Fair Trade & Ethical Sourcing0
-100100
Honest & Fair Business0
-100100
Kind to Animals-10
-100100
No War, No Weapons0
-100100
Planet-Friendly Business0
-100100
Respect for Cultures & Communities0
-100100
Safe & Smart Tech0
-100100
Zero Waste & Sustainable Products0
-100100

Better Health for All

0

BayCom Corp is a bank holding company that provides commercial banking services, loans, and deposit products.

1
Its core business activities, such as commercial and consumer lending, deposit accounts, and digital banking services, do not inherently have a significant positive or negative direct impact on health outcomes.
2
The company's operations do not involve health-related products, services, or research, nor do they generate significant health externalities or require specific health data management. Therefore, all KPIs related to health impact, safety, accessibility, innovation, and other health-specific initiatives are deemed not applicable to its business model.

Fair Money & Economic Opportunity

0

No evidence available to assess BayCom Corp on Fair Money & Economic Opportunity.

Fair Pay & Worker Respect

0

The company's overall employee rating on Indeed.com is 3.6 out of 5 stars.

1
Across multiple articles, including the proxy statement, there is no mention of specific regulatory actions, violations, fines, or compliance issues.

Fair Trade & Ethical Sourcing

0

BayCom Corp is a bank holding company providing commercial banking services.

1
Its business model does not involve procuring or trading physical commodities, nor does it have a supply chain that typically requires fair-trade certifications, welfare or sourcing audits, or mapping for physical goods provenance. Consequently, there is no exposure to upstream labor practices or high-risk materials, and no remediation processes are required for such issues. The articles provided do not contain any specific data on supplier diversity spend.
2

Honest & Fair Business

0

No evidence available to assess BayCom Corp on Honest & Fair Business.

Kind to Animals

-10

BayCom Corp (BCML.US) is a bank holding company providing commercial banking services.

1
Its core business model does not involve activities such as product manufacturing, animal testing, animal agriculture, or sourcing animal-derived ingredients.
2
Therefore, KPIs related to cruelty-free certification, alternative testing, humane operations, ethical input substitution, supplier audits for welfare, cage-free sourcing, animal testing policy and volume, innovation investment in animal-free technologies, animal agriculture ethics, and animal-free R&D collaboration are not applicable to the company's operations. Regarding public policy engagement, the company has no public position on animal welfare legislation and has been noted to resist pressure tactics from animal welfare organizations, indicating a lack of engagement in animal welfare policy improvement.
3

No War, No Weapons

0

The provided articles do not contain any specific data or quantitative information relevant to BayCom Corp.'s involvement in arms or defense contracts, dual-use technologies, sales to embargoed regimes, peacebuilding investment, conflict divestment, board oversight, export compliance, lobbying, humanitarian procurement, human rights due diligence, Arms Trade Treaty compliance, AI military safeguards, UN Guiding Principles alignment, dual-use screening, surveillance transparency, ethical red lines, zero exposure to controversial weapons, war risk audits, annual conflict partner reviews, divestment percentages, conflict mineral percentages, peace technology investment, conflict zone procurement, or compliance rates.

1
Therefore, no KPIs can be scored.

Planet-Friendly Business

0

No specific quantitative data or concrete facts related to BCML.US's environmental performance, such as greenhouse gas emissions, renewable energy usage, water consumption, waste diversion rates, or climate targets, are available in the provided articles.

1
The articles explicitly state a lack of detailed sustainability metrics for the company, noting only general ESG risk scores and rankings which do not map to the specific Planet-Friendly Business KPIs.
2

Respect for Cultures & Communities

0

No specific, concrete data points were found in the provided articles to assess BCML.US against the 'Respect for Cultures & Communities' ethical value. While Article 1 details United Business Bank's community development activities, including $21.48 million in community development investments and $74.2 million in total community development loan commitments, this information is presented as absolute dollar amounts and does not align with the quantitative thresholds or specific requirements of the KPIs in the rubric, which often require percentages of revenue, specific counts of partnerships, or details on cultural impact assessments or preservation efforts.

1
Article 0 provides an overall ESG risk rating but no specific data relevant to this value.

Safe & Smart Tech

0

The company has not experienced a material cybersecurity incident to date, and states that cybersecurity is a cornerstone of its strategic business plan, engaging experts for regular assessments.

1
It employs security measures including SSL encryption for sensitive information during transactions.
2
Regular assessments of infrastructure, software systems, and network architecture are conducted by cybersecurity experts and third-party specialists.
3
The company claims compliance with the California Online Privacy Protection Act (CalOPPA) and the Children's Online Privacy Protection Act (COPPA).
4
Federal and state regulators require financial institutions to strengthen client authentication for online services, and the company's privacy policy states that personally identifiable information is not sold, traded, or transferred to outside parties, except with user consent or for legal reasons.
5
Baycom collects personal information when users register, subscribe, or fill out forms, and uses cookies to understand user preferences and track advertisements.
6

Zero Waste & Sustainable Products

0

The provided articles do not contain any specific, concrete data points related to waste management, product sustainability, or circular economy principles for BayCom Corp (BCML.US).

1
The company operates in financial services,
2
and the articles primarily discuss community development,
3
general ESG risk ratings,
4
or are not relevant articles. Therefore, no KPIs under 'Zero Waste & Sustainable Products' can be scored based on the evidence provided.

Own BayCom Corp?

Upload your portfolio and see how all your holdings score across 11 ethical dimensions.

Audit My Portfolio

AI-generated analysis based on publicly available data. Not financial advice. Ratings are expressions of opinion derived from automated models and may contain inaccuracies. See our Risk Disclosure for full details.