Bank of Marin
Bank of Marin reported total assets of $3.9 bn at Q2 2026, up 3.5% from a year earlier. That ranks 340th among 497 banks reporting this metric (1 = highest). Its common equity tier 1 ratio was 13.69%, and an estimated 36.84% of domestic deposits were uninsured. Source: FDIC Call Report data, cross-checked against FFIEC filings.
- Tier 1 leverage ratio: up 0.58 pp on Q1 2026, to 9.16%
- Common equity tier 1 (CET1) ratio: up 0.52 pp on Q1 2026, to 13.69%
- Total deposits: down 1.8% on Q1 2026, to $3.4 bn
Ranks compare banks in our US coverage that report each metric. Sparklines: the last ten years. Source: FDIC BankFind Suite (Call Report data), cross-checked against FFIEC Call Report filings. Calculations: EconoMonitor.
Overview
What stands out about Bank of Marin?
Its largest one-quarter change in total assets since Q1 2016 was +38.6% between Q2 2021 and Q3 2021, when it absorbed American River Bank. By common equity tier 1 (CET1) ratio it moved from 225th to 179th among 448 banks between Q1 2026 and Q2 2026 (1 = highest).
How large is Bank of Marin?
At Q2 2026 the bank held $3.9 bn of assets. Deposits were $3.4 bn and net loans and leases $2.1 bn, a loan-to-deposit ratio of 61.23%. Securities of $1.2 bn made up 32.2% of assets.
Total assets rose 98.4% between Q1 2016 and Q2 2026, from $1.9 bn.
How much of its funding is uninsured?
An estimated 36.84% of domestic deposits were above the FDIC insurance limit at Q2 2026, -0.13 pp from the previous quarter and +0.71 pp from a year earlier. That share ranks 232nd among 500 banks reporting this metric (1 = highest).
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total assets | $3.9 bn | +3.5% | 340th of 497 |
| Total deposits | $3.4 bn | +3.6% | 327th of 499 |
| Net loans and leases | $2.1 bn | +1.7% | 425th of 500 |
| Bank equity capital | $415.9 mn | +2.2% | 356th of 498 |
| Common equity tier 1 (CET1) ratio | 13.69% | -0.09 pp | 179th of 448 |
| Tier 1 leverage ratio | 9.16% | -0.21 pp | 412th of 500 |
| Return on equity (ROE) | 9.66% | +11.07 pp | 356th of 500 |
| Net interest margin | 3.54% | +0.55 pp | 284th of 500 |
| Uninsured share of domestic deposits | 36.84% | +0.71 pp | 232nd of 500 |
| 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: rank among the banks in our coverage reporting each metric, 1 = highest unless marked 1 = lowest.
Balance sheet
Total assets, deposits and net loans, quarterly, Q1 2016 to Q2 2026. Dashed amber lines mark the mergers and acquisitions listed under Mergers and acquisitions.
- Total assets $3.9bn
- Deposits $3.4bn
- Net loans $2.1bn
Capital and securities
The common equity tier 1 (CET1) ratio was 13.69% at Q2 2026, -0.09 pp from a year earlier. Since Q1 2016 it has ranged from 12.63% (Q1 2016) to 15.70% (Q1 2024). At Q2 2026 the tier 1 leverage ratio was 9.16% and the total risk-based capital ratio 14.61%. The median CET1 ratio of the size peers listed below was 11.59% at Q2 2026.
Available-for-sale securities showed an unrealized loss of $38.6 mn at Q2 2026; the loss widened by $28.4 mn from a year earlier.
Capital ratios
- Total capital 15%
- CET1 14%
- Tier 1 leverage 9.2%
Unrealized gains and losses on securities
- Available for sale -$39mn
- Held to maturity $0
Profitability and loan quality
Return on equity was 9.66% for the year to Q2 2026, annualized, with a return on assets of 1.02% and a net interest margin of 3.54%. The margin was +0.55 pp from a year earlier. The efficiency ratio, noninterest expense as a share of revenue as the FDIC defines it, was 60.95%. Net income for the year to Q2 2026 was $19.8 mn, down 765.1% on the same period a year earlier. The median return on equity of its size peers was 13.51% for the same period.
Noncurrent loans, those 90 days or more past due or no longer accruing interest, were 0.40% of total loans at Q2 2026. Net charge-offs for the year to date were 0.69% of average loans, annualized.
Profitability
- Return on equity 9.7%
- Net interest margin 3.5%
- Return on assets 1.0%
Compared with banks of similar size
The six banks ranked closest to Bank of Marin by total assets at Q2 2026, three above and three below where possible.
Among the seven banks in the table at Q2 2026, Bank of Marin is 4th by total assets. Its CET1 ratio of 13.69% compares with a peer median of 11.59%, its tier 1 leverage ratio of 9.16% compares with a peer median of 9.21%, and its return on equity of 9.66% compares with a peer median of 13.51%.
| Bank | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|
| Carrollton Bank | $3.9 bn | 9.93% | 13.81% | 53.18% | |
| Security Bank of Kansas City | $3.9 bn | not reported | 13.50% | 35.48% | |
| Gulf Coast Bank and Trust Company | $3.9 bn | 11.85% | 13.02% | 21.40% | |
| Bank of Marin | $3.9 bn | 13.69% | 9.66% | 36.84% | |
| Investar Bank | $3.9 bn | 13.51% | 11.66% | 34.14% | |
| Capital Bank | $3.8 bn | 11.34% | 13.52% | 45.13% | |
| Independence Bank of Kentucky | $3.8 bn | not reported | 13.76% | 41.24% | |
Q2 2026. Peer median (the six banks, excluding this one): CET1 11.59%, return on equity 13.51%. Source: FDIC BankFind Suite (Call Report data), cross-checked against FFIEC Call Report filings. Calculations: EconoMonitor.
Last eight quarters
Bank of Marin, as reported in its Call Reports.
From Q3 2024 to Q2 2026, total assets rose 1.7% to $3.9 bn, deposits rose 2.2% to $3.4 bn and bank equity capital fell 1.5% to $415.9 mn. Over the same period its full-time equivalent staff went from 288 to 315 and its offices went from 29 to 29.
| 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 |
| Common equity tier 1 (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 |
Source: FDIC BankFind Suite (Call Report data), cross-checked against FFIEC Call Report filings. Calculations: EconoMonitor.
Mergers and acquisitions
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
- Total assets changed by +38.6% in the quarter to 2021-09-30: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from American River Bank.
Source: FDIC BankFind API, institution history. Moves of more than 25% in one quarter are checked against that history in our review.
Identifiers and sources
- FDIC certificate
- 32779
- Federal Reserve RSSD ID
- 1436204
- Head office
- Novato, California
- Holding company
- BANK OF MARIN BCORP (as reported to the FDIC)
- Holding company RSSD ID
- 3590388
- EconoMonitor ID
- EMB-US-000417
Frequently asked questions
What were Bank of Marin's total assets?
$3.9 bn at Q2 2026, according to its Call Report as published by the FDIC. By total assets it ranks 340th among 497 banks reporting this metric (1 = highest).
Is Bank of Marin the same as its holding company?
No. This page covers the FDIC-insured bank (certificate 32779). Its holding company, BANK OF MARIN BCORP (as reported to the FDIC), reports separately to the Federal Reserve and, if its shares are listed, to the SEC.
How often is this page updated?
Every quarter, after Bank of Marin files its Call Report and the FDIC publishes it. This page shows Q2 2026, loaded on 19 October 2026; any sentence that uses an earlier quarter names it.
Where can I check these numbers?
In the FDIC BankFind Suite record for certificate 32779, and in the Call Reports filed under RSSD ID 1436204 at the FFIEC Central Data Repository.
Sources and definitions
Definitions, Call Report fields and formulas for each metric: Bank equity capital, Uses community bank leverage ratio framework, Common equity tier 1 (CET1) ratio, Deposits in domestic offices, Efficiency ratio, Full-time equivalent employees, Loan-to-deposit ratio, Total loans and leases (gross), Net loans and leases, Net charge-offs to average loans, Net income (year to date), Net interest margin, Noncurrent loans to total loans, Number of offices, Return on assets (ROA), Return on equity (ROE), Available-for-sale securities (amortized cost), Available-for-sale securities (fair value), Held-to-maturity securities (amortized cost), Held-to-maturity securities (fair value), Total securities, Tier 1 leverage ratio, Total assets, Total deposits, Total equity capital, Total risk-based capital ratio, Uninsured share of domestic deposits, Estimated uninsured deposits, Unrealized gain/loss on available-for-sale securities, Unrealized gain/loss on held-to-maturity securities.
Checks for this release: Check A (database against the FDIC download) passed, Check B (FDIC against FFIEC Call Report filings) passed.
Source: FDIC BankFind Suite (Call Report data). EconoMonitor is not affiliated with or endorsed by the FDIC. FDIC BankFind Suite API.
Source: FFIEC Central Data Repository (Call Reports). EconoMonitor is not affiliated with or endorsed by the FFIEC. FFIEC Central Data Repository, Public Data Distribution.
Data and analysis only, not financial advice. The FDIC and the FFIEC do not endorse EconoMonitor. See the disclaimer and methodology.