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Bank of Marin Bancorp
Bank of Marin Bancorp (BMRC) investor relations material
Bank of Marin Bancorp Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary26 Jan, 2026
Executive summary
Q4 2025 featured strong loan and deposit growth, improved credit quality, and expanded net interest margin, supported by effective expense management and a major balance sheet restructuring.
Completed a significant repositioning of the securities portfolio, resulting in a $69.5 million pre-tax loss and a Q4 net loss of $39.5 million, but positioning for future margin expansion.
Issued $45 million in subordinated debt at 6.75% to replenish capital ratios impacted by securities losses.
Non-GAAP net income for Q4 was $9.4 million ($0.59 per share), up 25% sequentially.
Deposits increased, with non-interest bearing deposits rising to 43.7% of total deposits and cost of deposits decreasing.
Financial highlights
Q4 2025 net loss was $39.5 million ($2.49 per share) due to securities repositioning; non-GAAP net income was $9.4 million ($0.59 per share).
Net interest income rose to $31.2 million, with tax-equivalent net interest margin improving to 3.32% in Q4 from 3.08% in Q3.
Pre-tax, pre-provision net income increased 31% quarter-over-quarter on a non-GAAP basis.
Book value per share was $24.51; tangible book value per share was $19.87 at year-end.
Allowance for credit losses to total loans was 1.42%; non-accrual loans were 1.27% of total loans at year-end.
Outlook and guidance
Balance sheet restructuring is expected to provide a 25 basis point annualized net interest margin increase and $0.40 annual EPS accretion.
Management anticipates continued positive earnings trends, solid loan growth, and deposit growth in 2026, with some seasonal outflows in the first half.
Portfolio is well-positioned for higher rate environments through 2027, with strong debt service coverage ratios.
Net interest income simulations indicate positive sensitivity to rising rates and negative sensitivity to falling rates.
Targeting consistent mid-single digit net loan growth, with potential upside depending on payoffs.
Confirm 2026 EPS accretion from repositioning
Why the rise in special mention loans?
When will share repurchase program be active?
How much of the 25 bps NIM lift is realized?
How is loan growth sustained beyond new hires?
How do current capital levels impact M&A strategy?
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Next Bank of Marin Bancorp earnings date
Q1 202627 Apr, 2026
Bank of Marin Bancorp
Next Bank of Marin Bancorp earnings date
Q1 202627 Apr, 2026
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Frequently asked questions
Bank of Marin Bancorp operates as the holding company for Bank of Marin that provides a range of financial services primarily to professionals, small and middle-market businesses, individuals, and not-for-profit organizations. The company operates through four segments: Los Angeles Branch, Small Business Unit, Personal Banking Unit, and International and Other Services Unit. It offers loans to businesses that are engaged in real estate, professional services, wholesale trade, manufacturing, transportation and distribution, retail, and telecommunications industries; business banking products and services include deposit accounts, cash management programs, commercial lending products and services including term loans, revolving lines of credit, asset-based lending products and services including equipment financing loans, lines of credit secured by inventory or accounts receivable; personal banking products and services include deposits accounts that consist of checking accounts for individuals with low net worth requirements (Basic Checking). Bank of Marin Bancorp is based in Novato, California.
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