Corte Madera, CA · Cert 32779 · Bank of Marin Bcorp
State charter, non-member · FDIC · 28 branches
Q2 2026
Market Position · San Francisco-Oakland-Fremont, CA · 2026 SOD (annual) · 0.4% share · #19 of 69 inst. · $2.2B of $513.2B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.48% | -0.19% | 0.55% | -0.16% | 0.17% | -0.89% | 0.97% | 1.02% | +118 bps | |
| Return on Equity | -4.22% | -1.66% | 4.82% | -1.41% | 1.55% | -8.09% | 9.33% | 9.66% | +1,107 bps | |
| Net Interest Margin | 2.53% | 2.58% | 2.75% | 2.80% | 2.84% | 2.81% | 3.26% | 3.36% | +57 bps | |
| Efficiency Ratio | 78.77% | 74.67% | 74.13% | 72.71% | 70.57% | 66.51% | 62.32% | 60.95% | -1,176 bps | |
| Non-Interest Burden | 1.92% | 1.85% | 1.95% | 1.94% | 1.91% | 1.76% | 1.89% | 1.90% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.04% | -2.73% | 0.45% | 0.85% | 2.01% | 5.49% | 3.42% | 3.50% | +265 bps | |
| Loan Growth (YoY) | 0.15% | 0.46% | 0.90% | -0.42% | 0.01% | 1.80% | 2.03% | 1.32% | +174 bps | |
| Deposit Growth (YoY) | -3.84% | -2.06% | 0.46% | 1.21% | 2.57% | 6.83% | 4.56% | 3.62% | +240 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.91% | 1.63% | 1.59% | 1.57% | 1.51% | 1.27% | 0.41% | 0.40% | -116 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.16% | 0.08% | 0.06% | 0.04% | 1.37% | 0.70% | +61 bps | |
| Allowance / Loans | 1.47% | 1.47% | 1.44% | 1.44% | 1.43% | 1.42% | 1.08% | 1.07% | -37 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.9x | 0.9x | 0.9x | 0.9x | 1.1x | 2.6x | 2.7x | +1.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.02% | 10.18% | 10.46% | 9.37% | 9.43% | 8.49% | 8.59% | 9.16% | -21 bps | |
| Total Risk-Based Capital | 15.82% | 16.13% | 16.45% | 15.00% | 15.11% | 13.90% | 14.09% | 14.61% | -39 bps | |
| Equity / Assets | 11.13% | 11.48% | 11.46% | 10.93% | 10.80% | 10.34% | 10.44% | 10.79% | -14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 62.89% | 64.49% | 62.68% | 63.29% | 61.33% | 61.46% | 61.17% | 61.89% | -140 bps | |
| Liquid Assets / Assets | 28.41% | 26.38% | 27.43% | 27.14% | 25.87% | 5.01% | 5.08% | 6.35% | -2,079 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 451% | 501% | 487% | n/a | n/a | |