← Back to Institutions
Bank of Marin
Novato, CA·FDIC Cert #32779·Charter: STATE·Est. 19900123.0·HC: BANK OF MARIN BCORP
Total Assets
$3.9B
Q4 2025
Return on Assets
-0.89%
-1.06%Peer avg: 1.25%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
67.66%
Peer avg: 57.5%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
51
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
-0.89%-1.06
ROE
-8.09%-9.64
Efficiency
67.66%-2.91
Equity/Assets
0.00%+0.00
NPL Ratio
1.29%-0.24
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
60.59%+0.14
Charge-offs
0.05%-0.01
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.3 | -1.0 | -0.5 | -0.2 | 0.6 | -0.2 | 0.2 | -0.9 |
| ROE | 3.0 | -8.6 | -4.2 | -1.7 | 4.8 | -1.4 | 1.6 | -8.1 |
| Efficiency | 80.4 | 82.0 | 78.8 | 74.7 | 74.1 | 72.7 | 70.6 | 67.7 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.7 | 2.0 | 1.9 | 1.7 | 1.6 | 1.6 | 1.5 | 1.3 |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.0 | 0.2 | 0.1 | 0.1 | 0.0 |
| Loan/Deposit | 61.6 | 63.4 | 62.0 | 63.5 | 61.8 | 62.4 | 60.5 | 60.6 |
Balance Sheet
Total Assets$3.9B
Total Deposits$3.5B
Total Loans$2.1B
Total Equity$403.6M
Profitability
ROA-0.89%
ROE-8.09%
Efficiency Ratio67.66%
Net Income$-33.8M
Risk & Asset Quality
NPL Ratio1.29%
Charge-off Rate0.05%
Loan/Deposit60.59%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans