# BANK OF MARIN
NOVATO, CA · FDIC certificate 32779 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $3.86B | |
| Deposits | $3.39B | |
| Loans and leases | $2.10B | |
| Total equity | $415.9M | |
| Loans / deposits | 61.23% (p9 of band) | 87.10% |
| Liquid assets / assets | 39.48% (p89 of band) | |
| Uninsured deposits / deposits | 36.84% (p66 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.02% (p14 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.16% (p16 of band) | 10.50% |
| Unrealized securities loss / equity | -9.29% (p43 of band) | -7.75% |
| AOCI / equity | -2.11% (p4 of band) | |
| ROA (annualized) | 1.02% (p32 of band) | 1.26% |
| Net interest margin | 3.54% (p40 of band) | 3.70% |
| Efficiency ratio | 60.95% (p56 of band) | |
| Noncurrent loans | 0.40% (p40 of band) | 0.51% |
| Net charge-offs (annualized) | 0.38% (p93 of band) | |
| Reserve coverage of noncurrent | 265.75% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 8.93% (p10 of band) | |
| Auto loans | $39.6M (1.89% of loans; DQ 0.84%, NCO 0.00%) | |
| Loans to nondepository financials | $16.0M (4% of equity) (p82 of band) | |
| Deposits YoY | 3.6% | |
| Employees | 315 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | reserve under noncurrent |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 | capital falling | reserve under noncurrent |
| 2014-03 | 1 |  |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | capital falling |  |
| 2018-09 | 0 |  | capital falling |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | capital falling |  |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 1 | securities losses >30% of equity |  |
| 2022-09 | 2 | AOCI drag >20% of equity |  |
| 2022-12 | 2 | deposits shrinking | AOCI drag >20% of equity |
| 2023-03 | 3 | uninsured deposits leaving |  |
| 2023-06 | 4 | assets shrinking |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 2 |  | deposits shrinking, uninsured deposits leaving |
| 2024-06 | 5 | losing money, noncurrent p90, reserve under noncurrent |  |
| 2024-09 | 4 |  | securities losses >30% of equity |
| 2024-12 | 4 | securities losses >30% of equity | assets shrinking |
| 2025-03 | 1 |  | losing money, noncurrent p90, securities losses >30% of equity |
| 2025-06 | 2 | losing money |  |
| 2025-09 | 1 |  | losing money |
| 2025-12 | 1 | losing money | reserve under noncurrent |
| 2026-03 | 1 | charge-offs p90 | losing money |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-08 [William P. Murray - The Press Democrat](https://news.google.com/rss/articles/CBMifEFVX3lxTFBsZVBkaHNnSnJUTTZKSFg0RmQ5WENwXzdfdDk0aDBVVHJUSmEzM3BxQTI5eTZxRDdYdTVSVVFPS1JQeHlQUDZYbWJRY3lVVnNsSlQzRk5EQmNwYWMtNXZIMGhyQ1ZJdE5EbFh1c2d3b29HREZQTjZKUTZ0dlo?oc=5) · The Press Democrat
- 2026-08-25 [The best regional banks in the Bay Area - SFGATE](https://news.google.com/rss/articles/CBMibkFVX3lxTFA1RVVHLTlZWUdkWnFEMHVMYWFvRmxTT1o0Um5taWN2NjgyQUllUld2bGxCTGFIN3l4THlxR0ZPZkh3V2ZpWXF6b0NjdnZyeE5qeGVXSlRCSGNNWGFnUEhnV0pwZFRmOFBpNl9OS3F3?oc=5) · SFGATE
- 2025-12-17 [Program Doubles Down on Halting Financial Abuse of Older Marin Residents - County of Marin (.gov)](https://news.google.com/rss/articles/CBMirAFBVV95cUxPZU15RzZPajFGTUlxUVIteks1ZkNiU2lqYWVQTjJCX1VKaDMzMjFGSlM0WkNXclR5V2R0NnpjT3FVZVNyTDNsZHp4STBTcl9oUTY2NVZYSW5RVzVtVkxWb1FoWDd1LUFoUTcwVm02STlPdmhGUWNoeWFYR2YyeGQxaTB1N1AtWDNHSlVieS04SWJCZ25oRTBHdWJ1MFkzWnRHMjhYd1Y2SUlaRlVM?oc=5) · County of Marin (.gov)
- 2026-06-10 [Net Interest Margin Expansion Not Quite Enough For Bank of Marin (NASDAQ:BMRC) - Seeking Alpha](https://news.google.com/rss/articles/CBMisAFBVV95cUxPalVCRmtrc0htOFJoUVN3dUh6M3IyMDgtUXhsaDN4NzlIbldzWEpkNV9QeDN4ZzVHa0FEdW52OGU0bGRjeU1fTVRIX3k0M3AyR18tRDJ5aWN3MjJqZkxyd1RxRE02WDJmZEprVWVzMWlxWGlJcmUzbllaU0dNSGVWWDdXVTJYWTJpU1NKdFdLaU1hUVFkWmc0MVFJbzNOWW1fUU9OeFcyd3NjYXFvRWlXaA?oc=5) · Seeking Alpha
- 2025-11-17 [Bank of Marin’s Stephen Cairns: Why Sacramento businesses need more than a bank - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxNY3loMzRSVkctdjR1WHZ2cFlqbjhtNlh4WlVaME9xUWx3Y0pwTTF4T2hpZlFPdnl2UDRJRGZjRnJ2RXVRTzdPTUE5WWpHT2FQV2xudmpKWEFYT2VrSVlIV2JaelJVZ3BQb2lQOExjY0NXbWsxbkFiZ3ZPTk0zLU1zQmU2Y01ZcjBleU9xaVhFRzhqZTExMTJJV3FnbDNuMF9POEZlSA?oc=5) · The Business Journals
- 2026-04-27 [Bank of Marin Bancorp (NASDAQ:BMRC) Q1 2026 Earnings Beat Revenue Estimates, but EPS Miss and Credit Cleanup Spark Selloff - ChartMill](https://news.google.com/rss/articles/CBMi_wFBVV95cUxOcEwwb0xfYzZVYkVrZW9YWDctNXJMZ3NkNFdtY19KUlB5UVA5dExFbGhWMVVzRnJoeFFnZlRuZ3R4NFBRZnVNdlh6RE55cWk4Z20tTW9TTzNzcVR1VTgxaDBtLWNqMXZPdHBPaTA2RFhPaDZ0WFRsRy15TWhhSkVxanpOR0JLUDJPdW1fV3hnbFZRUHJtU2FsWEF5WFdxSm9GWEtESGpXalZpOGplQUkzblFqLUo5STBETURDRlJFeFJtUFphRHFJamQxWFctMm91SlYxb0lFTmktOW1MTTNjRjh4M0c4RUQ2S1doeXFTeXd1a2EzMExrTnMxLS1DcVU?oc=5) · ChartMill
- 2026-01-26 [Roy Bradford Zirkle Obituary - Marin, CA - Marin Independent Journal](https://news.google.com/rss/articles/CBMieEFVX3lxTE94cG84dmJxd2FiZ2JGOXFWc2R3RmJqSmgwR2N5UGZQNUZMdHljaXhBZ0dMdEo0T0xMZEtCbTJsV0NEWGxoLUg3clRVVDRjUE1saEFoU0JYN2NydGRMOHJMVWU1WWkwamZhd3lKRXZDeFA0TzJ6VUt2Ug?oc=5) · Marin Independent Journal
- 2022-05-01 [Meeting Community Needs in Northern California - Comstock's magazine](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQUmo1T1BqZ2FNNTRENlpHeDI2RG9yYURMVzZuVU9reEhTRjJRUEhQcUZOMjFqYXhVSkxFLXhhcFlZcE1qRm82SWNUVFc5ZTlVd3dqSWxjaERrSDRHMTVBZWJVU04taFUxci1TTzJoYkY1ZUJPZk1kb2YwUXVTRllReldIenVQR09T?oc=5) · Comstock's magazine

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=32779 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/11.json (key "32779", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide