Bank of Marin
Bank of Marin reported total assets of $3.9 bn at Q2 2026, up 3.5% on a year earlier, the 340th largest of 497 banks in our US coverage. The CET1 capital ratio at Bank of Marin was 13.69%, and the uninsured share of Bank of Marin was 36.84%. Source: FDIC Call Reports.
Key takeaways
- On noncurrent loans to total loans, Bank of Marin climbed from 465th to 149th among 500 US banks between and (1 = lowest; FDIC Call Reports).
- Bank of Marin reports one of the lowest loan-to-deposit ratio readings among banks of $1 bn to $10 bn: 61.23% at , where the median of the 339 banks is 88.61% (FDIC Call Reports).
- At 0.69%, the net charge-offs to average loans of Bank of Marin sits in the top tenth of its size group ($1 bn to $10 bn, 339 banks), where the median is 0.06% (FDIC Call Reports).
What sets Bank of Marin apart
- Since , Bank of Marin has taken over 2 institutions; the latest was American River Bank on .
How large is Bank of Marin?
The balance sheet of Bank of Marin at : assets $3.9 bn, deposits $3.4 bn, net loans $2.1 bn (loans equal to 61.23% of deposits). Securities make up 32.2% of total assets at Bank of Marin. Since , when Bank of Marin held $1.9 bn, its assets grew 98.4%. In the year to , deposits at Bank of Marin rose 3.6% while its total assets rose 3.5%. At , Bank of Marin employed 315 full-time equivalent staff across 29 offices, about $12.2 mn of assets per employee and $117.1 mn of deposits per office.
How much funding at Bank of Marin is uninsured?
At Bank of Marin, uninsured deposits (above the FDIC limit) made up 36.84% of domestic deposits at (+0.71 pp on a year earlier); Bank of Marin ranks 232nd of 500 on this measure. In dollars, Bank of Marin estimated $1.3 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $3.4 bn | +3.6% | 327th of 499 |
| Net loans and leases | $2.1 bn | +1.7% | 425th of 500 |
| Loan-to-deposit ratio | 61.23% | -1.15 pp | 454th of 500 |
| Tier 1 leverage ratio | 9.16% | -0.21 pp | 412th of 500 |
| Total risk-based capital ratio | 14.61% | -0.39 pp | 204th of 448 |
| Net interest margin | 3.54% | +0.55 pp | 284th of 500 |
| Return on assets (ROA) | 1.02% | +1.18 pp | 378th of 500 |
| Efficiency ratio | 60.95% | -11.76 pp | 344th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $38.6 mn | Widened by $28.4 mn | |
| Noncurrent loans to total loans | 0.40% | -1.16 pp | 149th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.69% | +0.61 pp | 455th of 500 (1 = lowest) |
US rank of Bank of Marin: 1 = highest unless marked 1 = lowest.
Balance sheet
Bank of Marin: assets, deposits and loans
- Total assets $3.9bn
- Deposits $3.4bn
- Net loans $2.1bn
Capital and securities
The CET1 ratio of Bank of Marin stood at 13.69% in , -0.09 pp year on year. Low and high at Bank of Marin since : 12.63% () to 15.70% (). Equity capital of Bank of Marin at : $415.9 mn, or 10.8% of total assets. Bank of Marin also reported a total capital ratio of 14.61% for , and a tier 1 leverage ratio of 9.16%.
The available-for-sale portfolio of Bank of Marin showed an unrealized loss of $38.6 mn at ; the loss widened by $28.4 mn over the year.
Bank of Marin: capital ratios
- Total capital 15%
- CET1 14%
- Tier 1 leverage 9.2%
Bank of Marin: unrealized securities gains and losses
- Available for sale -$39mn
- Held to maturity $0
Profitability and loan quality
For the year to , Bank of Marin earned a return on equity of 9.66%; return on assets: 1.02%. Net interest margin at Bank of Marin: 3.54%, +0.55 pp in a year. Bank of Marin net income: $19.8 mn, down 765.1% year on year. The efficiency ratio of Bank of Marin was 60.95%: about 61 cents cost per revenue dollar, against 63 cents at the median peer.
At , noncurrent loans were 0.40% of total loans at Bank of Marin; net charge-offs: 0.69% of average loans. Gross loans and leases at Bank of Marin: $2.1 bn, up 1.3% in a year.
Bank of Marin: profitability
- Return on equity 9.7%
- Net interest margin 3.5%
- Return on assets 1.0%
Peer group of Bank of Marin
The peer group of Bank of Marin is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 3 share the charter type of Bank of Marin (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in California. Against them, Bank of Marin shows CET1 ratio 13.69% against a peer median of 11.59%, return on equity 9.66% against a peer median of 13.51% and uninsured deposit share 36.84% against a peer median of 38.36%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Carrollton Bank | State nonmember bank | IL | $3.9 bn | 9.93% | 13.81% | 53.18% | |
| Security Bank of Kansas City | State nonmember bank | KS | $3.9 bn | not reported | 13.50% | 35.48% | |
| Gulf Coast Bank and Trust Company | State nonmember bank | LA | $3.9 bn | 11.85% | 13.02% | 21.40% | |
| Bank of Marin | State nonmember bank | CA | $3.9 bn | 13.69% | 9.66% | 36.84% | |
| Investar Bank | National bank | LA | $3.9 bn | 13.51% | 11.66% | 34.14% | |
| Capital Bank | National bank | MD | $3.8 bn | 11.34% | 13.52% | 45.13% | |
| Independence Bank of Kentucky | State member bank | KY | $3.8 bn | not reported | 13.76% | 41.24% | |
. FDIC Call Reports.
Last eight quarters
Two years at Bank of Marin, to : assets +1.7%, deposits +2.2%, equity -1.5%. Staff 288 to 315.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $3.8 bn | $3.7 bn | $3.8 bn | $3.7 bn | $3.9 bn | $3.9 bn | $3.9 bn | $3.9 bn |
| Total deposits | $3.3 bn | $3.2 bn | $3.3 bn | $3.3 bn | $3.4 bn | $3.5 bn | $3.5 bn | $3.4 bn |
| Bank equity capital | $422.1 mn | $425.0 mn | $433.5 mn | $407.1 mn | $417.9 mn | $403.6 mn | $408.6 mn | $415.9 mn |
| CET1 ratio | 14.60% | 14.91% | 15.25% | 13.78% | 13.92% | 12.69% | 13.17% | 13.69% |
| Return on equity (ROE) | -4.22% | -1.66% | 4.82% | -1.41% | 1.55% | -8.09% | 9.33% | 9.66% |
| Uninsured share of domestic deposits | 34.54% | 34.60% | 35.18% | 36.13% | 36.98% | 38.34% | 36.98% | 36.84% |
| Full-time equivalent employees | 288 | 285 | 291 | 302 | 304 | 312 | 309 | 315 |
| Number of offices | 29 | 29 | 29 | 29 | 29 | 29 | 29 | 29 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of Bank of Marin, oldest first; figures before and after each event are not like for like.
- . Absorbed Bank of Napa, N.A. (FDIC certificate 58138).
- . Absorbed American River Bank (FDIC certificate 24655).
Large one-quarter moves at Bank of Marin
- Total assets at Bank of Marin changed by +38.6% in the quarter to 2021-09-30: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from American River Bank.
Questions and identifiers
What were the total assets of Bank of Marin?
Bank of Marin reported $3.9 bn at in its Call Report. That makes Bank of Marin the 340th largest of 497 banks in our US coverage.
Is Bank of Marin the same as its holding company?
No. This page covers Bank of Marin, FDIC certificate 32779; BANK OF MARIN BCORP (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Bank of Marin profitable?
Bank of Marin reported net income of $19.8 mn for the year to ; annualized return on equity: 9.66%. So yes: Bank of Marin made a profit over these months.
When is data for Bank of Marin next updated?
Figures from Bank of Marin for are due after .
Where can I check the figures for Bank of Marin?
In the FDIC BankFind Suite record for certificate 32779, and in the Call Reports of Bank of Marin (RSSD ID 1436204) at the FFIEC Central Data Repository.