Bank of Marin Bancorp
bankofmarin.comWhat Do They Do?
Provides loans, deposit accounts, and wealth management and trust services to businesses, nonprofit organizations, and personal banking customers in Northern California.
10-K for FY2025, filed Mar 13, 2026Virtually all of our business is conducted through Bancorp's subsidiary, Bank of Marin, which is headquartered in Novato, California. In…View ↗
We offer a suite of business and personal financial products and services designed to meet the needs of our customers. Our lending…View ↗
We offer a variety of personal and business checking and savings accounts, and a number of time deposit alternatives, including time…View ↗
We offer wealth management and trust services, which include customized investment portfolio management, trust administration, estate…View ↗
How Do They Make Money?
Wealth-management clients pay monthly fees based on month-end assets under management; deposit-account services bring monthly account fees and charges for transaction-based services such as check orders.
10-K for FY2025, filed Mar 13, 2026Wealth management and trust services ("WMTS") fees - WMTS services include, but are not limited to: customized investment advisory and…View ↗
$152.4M
-
10-K for FY2025, filed Mar 13, 2026
$152.4M ↗
| Segment | Share | Revenue | How money arrives |
|---|---|---|---|
|
Wealth management and trust services
Recurring
|
36%
FY2022: 33%
|
Wealth management and trust services, FY2025
$2.3M Sources
|
Recurring |
|
Service charges on deposit accounts
|
34%
FY2022: 29%
|
Service charges on deposit accounts, FY2025
$2.2M Sources
|
|
|
Debit card interchange fees, net
|
25%
FY2022: 30%
|
Debit card interchange fees, net, FY2025
$1.6M Sources
|
|
|
Merchant interchange fees, net
|
5.8%
FY2022: 8.0%
|
Merchant interchange fees, net, FY2025
$377K Sources
|
Who Are Their Customers?
Small and medium-sized businesses, nonprofits, commercial real estate investors, and personal customers use the bank’s branches, commercial banking offices, and digital banking; merchant and payroll services, equipment leasing, and credit cards are offered through third-party vendors.
10-K for FY2025, filed Mar 13, 2026Virtually all of our business is conducted through Bancorp's subsidiary, Bank of Marin, which is headquartered in Novato, California. In…View ↗
We offer a suite of business and personal financial products and services designed to meet the needs of our customers. Our lending…View ↗
Automated teller machines (“ATMs”) are available at most branch locations. Our ATMs are linked to PLUS, CIRRUS and NYCE, as well as…View ↗
Do Revenues Turn Into Profits?
Not on paper. It lost $35.7M in FY2025, but brought in more cash than it spent: $37.3M of free cash flow.
How Are They Changing?
- Net income
-
Sources
10-Q for Q2 FY2026, filed Aug 6, 2026
$9.2MView ↗
- ▲ Now profitable
- vs −$8.5M in Q2 FY2025
10-Q for Q2 FY2026, filed Aug 6, 2026
Open tableView ↗
Growing. Revenue grew 41% in 4 years, from $108.4M in FY2021 to $152.4M in FY2025, about 9% a year.
Listed service area
The older report included San Mateo in the primary market area; the latest report’s list does not include it.
10-K for FY2022, filed Mar 16, 2023 10-K for FY2025, filed Mar 13, 2026Our primary market area encompasses Alameda, Amador, Contra Costa, Marin, Napa, Placer, Sacramento, San Francisco, San Mateo and Sonoma…View ↗
Our primary market area encompasses Alameda, Amador, Contra Costa, Marin, Napa, Placer, Sacramento, San Francisco, and Sonoma counties. Our…View ↗
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