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Bank of Marin

Corte Madera, CA · Cert 32779 · Bank of Marin Bcorp

State charter, non-member · FDIC · 28 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating in a single state (n=257 to 258). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

59

Q2 2024Q2 2026peer median (50)

Asset Quality

30

Q2 2024Q2 2026peer median (50)

Profitability

35

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

45

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bank of Marin

Corte Madera, CA · Cert 32779 · Bank of Marin Bcorp

State charter, non-member · FDIC · 28 branches

Q2 2026

$3.9BAssets
$2.1BLoans
$3.4BDeposits
$415.9MEquity
Loan mix
92%RE $1.9B6%C&I $0.1B3%Consumer $0.1BQ2 2025Q2 2026
Deposit mix
63%Interest-bearing $2.1B37%Noninterest $1.3BQ2 2025Q2 2026

NIM

3.63%Q2 ’243.84%Q2 ’254.44%Q2 ’26+14%+20%

Non-interest income vs. expense

2.20%Q2 ’242.22%Q2 ’252.21%Q2 ’26-1%-2%

Market Position · San Francisco-Oakland-Fremont, CA · 2026 SOD (annual) · 0.4% share · #19 of 69 inst. · $2.2B of $513.2B

11.2% Marin
1.8% Sonoma
0.5% Alameda
8.0% Napa

Executive Summary

  • Earnings: ROA of 1.02%, up 118 bps year over year; NIM at 3.36%.
  • Asset quality: problem loans at 0.40% of loans (-116 bps YoY), with net charge-offs at 0.70%.
  • Capital: tier 1 leverage ratio of 9.16%, down 21 bps from a year ago.
  • Funding: loans stand at 61.89% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.02%+118 bps YoY

Net Interest Margin (YTD, annualized)

3.36%+57 bps YoY

Efficiency Ratio (YTD, annualized)

60.95%-1,176 bps YoY

Tier 1 Leverage Ratio

9.16%-21 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.16%0.17%-0.89%0.97%1.02%+118 bps
Return on Equity-1.41%1.55%-8.09%9.33%9.66%+1,107 bps
Net Interest Margin2.80%2.84%2.81%3.26%3.36%+57 bps
Efficiency Ratio72.71%70.57%66.51%62.32%60.95%-1,176 bps
Non-Interest Burden1.94%1.91%1.76%1.89%1.90%-4 bps
Growth
Asset Growth (YoY)0.85%2.01%5.49%3.42%3.50%+265 bps
Loan Growth (YoY)-0.42%0.01%1.80%2.03%1.32%+174 bps
Deposit Growth (YoY)1.21%2.57%6.83%4.56%3.62%+240 bps
Asset Quality
Nonperforming Loans / Loans1.57%1.51%1.27%0.41%0.40%-116 bps
Net Charge-Offs / Loans0.08%0.06%0.04%1.37%0.70%+61 bps
Allowance / Loans1.44%1.43%1.42%1.08%1.07%-37 bps
Allowance Coverage of NPLs0.9x0.9x1.1x2.6x2.7x+1.7x
Capital
Tier 1 Leverage Ratio9.37%9.43%8.49%8.59%9.16%-21 bps
Total Risk-Based Capital15.00%15.11%13.90%14.09%14.61%-39 bps
Equity / Assets10.93%10.80%10.34%10.44%10.79%-14 bps
Liquidity & Funding
Loans / Deposits63.29%61.33%61.46%61.17%61.89%-140 bps
Liquid Assets / Assets27.14%25.87%5.01%5.08%6.35%-2,079 bps
CRE / Total Capitaln/a451%501%487%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Bank of Marin

Corte Madera, CA · Cert 32779 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Bank of Marin Bcorp

State charter, non-member · FDIC · 28 branches

Q2 2026

$3.9BAssets
$2.1BLoans
$3.4BDeposits
$415.9MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 60% of banks $1B-$10B in assets operating in a single state (rank 102 of 258).
  • Widest gap: net charge-offs / loans trails 95% of banks $1B-$10B in assets operating in a single state (rank 245 of 258).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.03%

Rank 171 of 258

Net Interest Margin

3.36%

Rank 150 of 258

Efficiency Ratio

61.52%

Rank 142 of 257

Equity / Assets

10.79%

Rank 105 of 258

Non-interest income vs. expense

$11.9M$85.8MINCOMEEXPENSE
Unfavorable gap of $73.9M · efficiency ratio beats 45% of banks $1B-$10B in assets operating in a single state
Bank 61.52%Peer median 60.3%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.03%0.93%1.23%1.54%Beats 34%171 / 258
Return on Equity9.51%9.26%11.84%14.74%Beats 28%186 / 258
Net Interest Margin3.36%3.16%3.49%3.88%Beats 42%150 / 258
Efficiency Ratio61.52%51.71%60.30%69.65%Beats 45%142 / 257
Asset Quality
Nonperforming Loans / Loans0.40%0.19%0.46%0.90%Beats 55%117 / 258
Net Charge-Offs / Loans0.35%0.01%0.02%0.07%Beats 5%245 / 258
Capital
Tier 1 Capital Ratio13.69%11.41%12.98%15.12%Beats 60%102 / 258
Total Risk-Based Capital Ratio14.61%12.10%13.91%16.08%Beats 59%107 / 258
Equity / Assets10.79%9.09%10.24%11.72%Beats 59%105 / 258
Liquidity & Funding
Loans / Deposits61.89%73.24%86.34%95.95%9th pctl235 / 258
Loans / Assets54.48%63.01%72.27%78.40%10th pctl231 / 258
Brokered Deposits / Depositsn/aNot reported for this institution