Bank of Marin
Novato, California, Marin County
$3.9B in total assets, the 354th largest of 4,309 US banks and 31st of 120 headquartered in California.
- FDIC certificate
- 32779
- Established
- 1990
- Owned by
- Bank Of Marin Bcorp
- Primary regulator
- FDIC
- Website
- www.bankofmarin.com
At a glance
Compared with 51 banks headquartered in California with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $3.9B | 61% | $2.7B | |
| Loans | $2.1B | 53% | $1.8B | |
| Deposits | $3.4B | 65% | $2.3B | |
| Return on assets | -0.29% | 4% | 1.22% | |
| Net interest margin | 3.54% | 41% | 3.81% | |
| Efficiency ratio | 60.9% | 78% | 53.5% | |
| Equity to assets | 10.79% | 31% | 11.37% | |
| Loans to deposits | 62% | 10% | 90% |
Growth
Total assets grew 4.6% a year over the last 5 years and 7.1% a year over 10 years, including 2 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Aug 2021 | American River Bank Sacramento, CA | $907M |
| Nov 2017 | Bank of Napa, N.A. Napa, CA | $255M |
| Nov 2013 | Bank of Alameda Alameda, CA | $272M |
| Feb 2011 | Charter Oak Bank Napa, CA | $121M |
Where they operate
28 branches in 8 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Marin County, CA | $1.8B | 11.2% | 5 of 18 |
| Sonoma County, CA | $355M | 1.8% | 12 of 14 |
| Alameda County, CA | $352M | 0.5% | 18 of 37 |
| Napa County, CA | $346M | 8.0% | 5 of 13 |
| Sacramento County, CA | $308M | 0.4% | 17 of 30 |
| Amador County, CA | $129M | 14.2% | 4 of 6 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 7 branches since 2016 (21 to 28, +33.3%). 2 opened, 12 acquired, 7 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 21 | |||
| 2016 | Opened Alameda | 1 | 0 | +1 | 22 |
| 2017 | Acquired Bank of Napa, N.A.Opened Healdsburg, closed Alameda | 3 | 1 | +2 | 24 |
| 2019 | Closed Petaluma | 0 | 1 | −1 | 23 |
| 2021 | Acquired American River BankClosed Napa | 10 | 1 | +9 | 32 |
| 2023 | Closed 4 in California | 0 | 4 | −4 | 28 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 64% | 47% | |
| Multifamily | 12% | 13% | |
| 1-4 family residential | 12% | 14% | |
| Business (C&I) | 6% | 15% | |
| Consumer | 3% | 2% | |
| Construction and land | 2% | 3% | |
| Farmland | 0% | 2% | |
| Other | 2% | 2% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 58% | 48% | |
| Noninterest-bearing | 37% | 28% | |
| Time deposits | 5% | 23% |
Brokered deposits are 0.0% of deposits (peers 4.6%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.40% | 0.48% |
| Net charge-offs, annualized | 0.69% | 0.05% |
| Reserves to loans | 1.07% | 1.28% |
| Leverage ratio | 9.16% | 11.65% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in California
Largest competitors in Marin County, CA
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/marin