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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

Trailing 9 quarters, through Q2 2026

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 (100)

Efficiency

45

Q2 2024Q2 2026Peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is a stronger peer standing, and the peer median is fixed at 50. Liquidity, Growth: closeness to the peer median, 100 at the median.

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 2026-10-12

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 2026-10-12

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