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Bank of Marin

$1B-$10B Specialty: Commercial CA FDIC cert 32779

Designations: ✓ Community bank

Novato, CA

29 branches across CA

884 banks in the $1B-$10B peer group nationally 49 in CA
View $1B-$10B leaderboard (CA) →

Bank of Marin has 3 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Loan-to-Deposit Ratio 23.70% below tier average
  • + Non-Interest-Bearing Deposit Share 15.22% above tier average
  • + Delinquency Rate 0.48% below tier average

Key Concerns

Areas that may need attention

  • - ROA 0.40% below tier average
  • - Net Interest Margin 0.28% below tier average
  • - Efficiency Ratio 1.26% above tier average
Get updates when Bank of Marin releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Total Assets ? $3.9B
+3.4% YoY +0.2% QoQ
+$1.1B $2.8B
-0.1% YoY
$4.7B
+7.7% YoY
$6.2B
+9.1% YoY
79%
Total Loans ? $2.1B
+2.4% YoY +0.1% QoQ
+$128.0M $2.0B
+0.6% YoY
$3.2B
+8.4% YoY
$3.2B
+10.8% YoY
70%
Total Deposits ? $3.5B
+4.6% YoY +0.2% QoQ
+$1.1B $2.3B
-0.3% YoY
$3.9B
+7.0% YoY
$4.8B
+8.2% YoY
81%
Return on Assets ? 0.97%
+75.4% YoY +209.0% QoQ
-0.40% 1.37%
+19.6% YoY
1.80%
+29.4% YoY
1.23%
+13.4% YoY
31%
Net Interest Margin ? 3.54%
+20.5% YoY +15.2% QoQ
-0.28% 3.82%
+6.9% YoY
3.85%
+3.8% YoY
3.89%
+5.7% YoY
43%
Efficiency Ratio ? 62.32%
-15.9% YoY -6.3% QoQ
+1.26% 61.06%
-4.6% YoY
68.78%
-8.1% YoY
66.95%
-4.1% YoY
42%
Delinquency Rate ? 0.41%
-74.4% YoY -67.9% QoQ
-0.48% 0.89%
+14.1% YoY
1.17%
+69.3% YoY
0.95%
+18.8% YoY
61%
Loan-to-Deposit Ratio ? 60.51%
-2.1% YoY -0.1% QoQ
-23.70% 84.20%
+0.3% YoY
85.13%
+2.0% YoY
76.70%
+0.9% YoY
Top 8.0% in tier
Non-Interest-Bearing Deposit Share ? 36.51%
-15.7% YoY -2.3% QoQ
+15.22% 21.29%
-2.5% YoY
25.15%
-3.9% YoY
22.01%
-1.2% YoY
Top 7.0% in tier
Nonperforming Asset Ratio ? 0.22%
-74.6% YoY -67.9% QoQ
-0.45% 0.67%
+15.6% YoY
0.91%
+65.9% YoY
0.67%
+19.3% YoY
71%
Tier 1 Capital Ratio ? 13.17%
-13.7% YoY +3.7% QoQ
-1.99% 15.16%
+2.0% YoY
21.08%
-3.4% YoY
17.06%
+0.8% YoY
51%
Non-Interest Income / Assets ? 0.08%
+15.2% YoY -70.5% QoQ
-0.18% 0.26%
+1.6% YoY
0.70%
+11.6% YoY
0.32%
+4.1% YoY
21%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 884 peers in $1B-$10B

Top Strengths (4 metrics)

63
Non-Interest-Bearing Deposit Share
funding
Value: 36.51%
Peer Median: 21.29%
#63 of 884 Top 7.0% in $1B-$10B
72
Loan-to-Deposit Ratio
liquidity
Value: 60.51%
Peer Median: 84.20%
#72 of 884 Top 8.0% in $1B-$10B
169
Total Deposits
size
Value: $3.46B
Peer Median: $2.34B
#169 of 884 Top 19.0% in $1B-$10B
183
Total Assets
size
Value: $3.91B
Peer Median: $2.82B
#183 of 884 Top 20.6% in $1B-$10B

Top Weaknesses (1 metrics)

701
Non-Interest Income / Assets
revenue_mix
Value: 0.08%
Peer Median: 0.26%
#701 of 884 Bottom 20.8% in $1B-$10B
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