BlastPoint's Banking Scorecard
Bank of Marin
Designations: ✓ Community bank
Novato, CA
29 branches across CA
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 49 in CA.
- Deposits +3.6% year over year ($3.4B on the books).
- Delinquency rate 0.41%.
- Return on assets 1.02%.
- Efficiency ratio 60.95% vs a 59.73% peer average.
- Loan-to-deposit ratio 61.23% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bank of Marin has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 23.81% below tier average
- + Non-Interest-Bearing Deposit Share 15.91% above tier average
- + Delinquency Rate 0.46% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.37% below tier average
- - Net Interest Margin 0.33% below tier average
- - Efficiency Ratio 1.22% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.9B
+3.5% YoY
-1.5% QoQ
|
+$1.1B |
$2.8B
-0.6% YoY
|
$4.9B
+8.2% YoY
|
$6.3B
+7.7% YoY
|
79% |
| Total Loans ? |
$2.1B
+1.7% YoY
-0.7% QoQ
|
+$115.3M |
$2.0B
-0.3% YoY
|
$3.3B
+8.0% YoY
|
$3.2B
+9.4% YoY
|
69% |
| Total Deposits ? |
$3.4B
+3.6% YoY
-1.8% QoQ
|
+$1.1B |
$2.3B
-0.5% YoY
|
$4.0B
+7.9% YoY
|
$4.9B
+7.3% YoY
|
81% |
| Return on Assets ? |
1.02%
+738.7% YoY
+4.9% QoQ
|
-0.37% |
1.39%
+17.0% YoY
|
1.69%
+23.4% YoY
|
1.30%
+12.1% YoY
|
31% |
| Net Interest Margin ? |
3.54%
+18.5% YoY
+0.2% QoQ
|
-0.33% |
3.87%
+6.2% YoY
|
3.84%
+2.9% YoY
|
3.95%
+4.9% YoY
|
39% |
| Efficiency Ratio ? |
60.95%
-16.2% YoY
-2.2% QoQ
|
+1.22% |
59.73%
-12.6% YoY
|
64.67%
-10.5% YoY
|
70.05%
+2.5% YoY
|
44% |
| Delinquency Rate ? |
0.41%
-74.4% YoY
-1.5% QoQ
|
-0.46% |
0.87%
+11.7% YoY
|
1.15%
+46.6% YoY
|
0.98%
+16.3% YoY
|
61% |
| Loan-to-Deposit Ratio ? |
61.23%
-1.8% YoY
+1.2% QoQ
|
-23.81% |
85.04%
-0.1% YoY
|
86.69%
+1.8% YoY
|
79.03%
+2.3% YoY
|
Top 7.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
37.18%
-13.7% YoY
+1.8% QoQ
|
+15.91% |
21.27%
-1.5% YoY
|
25.07%
-3.4% YoY
|
21.98%
-0.6% YoY
|
Top 6.4% in tier |
| Nonperforming Asset Ratio ? |
0.22%
-74.8% YoY
-0.8% QoQ
|
-0.46% |
0.67%
+11.7% YoY
|
0.91%
+41.3% YoY
|
0.69%
+15.8% YoY
|
70% |
| Tier 1 Capital Ratio ? |
13.69%
-0.7% YoY
+4.0% QoQ
|
-1.15% |
14.84%
-0.4% YoY
|
20.69%
-2.9% YoY
|
17.09%
+0.8% YoY
|
60% |
| Non-Interest Income / Assets ? |
0.15%
+9.4% YoY
+102.7% QoQ
|
-0.37% |
0.53%
+2.5% YoY
|
1.26%
+3.5% YoY
|
0.66%
+5.2% YoY
|
20% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
37.2%
-5.9pp YoY +0.7pp QoQ |
+15.8pp | 21.4% | 25.5% | 22.2% | 93% |
| Brokered Deposits | n/a | n/a | 9.5% | 11.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
5.8%
+0.6pp YoY +0.1pp QoQ |
-8.2pp | 14.0% | 11.8% | 12.5% | 22% |
| CRE |
78.5%
+1.0pp YoY +0.1pp QoQ |
+28.4pp | 50.0% | 67.5% | 41.4% | 94% |
| 1-4 Family |
11.8%
-0.8pp YoY 0.0pp QoQ |
-14.7pp | 26.4% | 16.5% | 31.3% | 22% |
| Consumer |
2.8%
-0.4pp YoY +0.1pp QoQ |
-2.0pp | 4.7% | 5.3% | 5.0% | 72% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
13.7%
-0.1pp YoY +0.5pp QoQ |
-1.9pp | 15.6% | 23.7% | 19.7% | 53% |
| Leverage Ratio |
9.2%
-0.2pp YoY +0.6pp QoQ |
-2.1pp | 11.3% | 14.5% | 12.6% | 16% |
| Total Capital Ratio |
14.6%
-0.4pp YoY +0.5pp QoQ |
-2.1pp | 16.7% | 25.1% | 20.8% | 49% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
315
+13 (+4.3%) YoY +6 (+1.9%) QoQ |
+1 | 313 | 337 | 482 | 68% |
| Assets per Employee ($) |
$12.2M
-0.8% YoY -3.3% QoQ |
+$1.8M | $10.5M | $11.3M | $8.8M | 79% |
| Branch Count |
29
0 YoY 0 QoQ |
+9 | 20 | 15 | 18 | 81% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.3% | 0.4% | n/a |
| Nonaccrual |
0.4%
-1.2pp YoY 0.0pp QoQ |
-0.4pp | 0.8% | 1.4% | 1.0% | 41% |
| Allowance Coverage |
2.66x
+189.1% YoY +0.7% QoQ |
-16.05x | 18.71x | 17.11x | 20.23x | 59% |
| Net Charge-off Rate (YTD) |
0.7%
+0.6pp YoY -0.7pp QoQ |
+0.4pp | 0.3% | 0.3% | 0.2% | 94% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.7%
+11.1pp YoY +0.3pp QoQ |
-2.9pp | 12.6% | 8.2% | 11.6% | 30% |
| Cost of Funds (YTD) |
1.2%
0.0pp YoY 0.0pp QoQ |
-0.7pp | 1.9% | 1.9% | 1.7% | 12% |
| Net Income ($, YTD) |
$19.8M
+765.1% YoY — QoQ |
+$539K | $19.2M | $28.5M | $40.4M | 69% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.