NASDAQ$BMRC
Bank of Marin Bancorp · Q2 2026 earnings
Q2 2026 earnings · · Before market open · Investor relations
Briefing
Bank of Marin Bancorp reported net income of $9.2 million and diluted EPS of $0.58 for Q2 2026, reflecting continued net interest margin expansion and improved credit quality.
Bank of Marin Bancorp achieved GAAP net income of $9.2 million for the second quarter of 2026, up from $8.5 million in the prior quarter. Tax-equivalent net interest margin expanded 14 basis points to 3.38% due to higher loan yields and lower deposit costs. Asset quality improved with non-accrual loans declining to 0.40% of total loans and a reversal of provision for credit losses.
- Diluted EPS rose to $0.58 from $0.53 in Q1 2026 and from a non-GAAP $0.29 in Q2 2025.
- Tax-equivalent net interest margin expanded 14 basis points to 3.38% driven by improved loan yields and reduced funding costs.
- Non-accrual loans fell to 0.40% of total loans while classified loans rose modestly to 0.95%; allowance for credit losses stood at 1.07% of loans.
- Bancorp's total risk-based capital ratio increased 32 basis points to 15.58% and tangible common equity to tangible assets ratio rose to 8.52%.
Headline financials
Revenue & EPS history
Bank of Marin · Revenue · Quarterly
$34M
Revenue by segment
Bank of Marin · $2.12B total across 7 segments · Q1 2021
- RE - Investor Owned$955M—45.0%
- Commercial & Industrial$545M—25.7%
- RE - Owner Occupied$308M—14.5%
- Other Residential$124M—5.9%
- Home Equity$96.6M—4.6%
- Construction$71.1M—3.3%
- Consumer Loans$21.4M—1.0%
Forward guidance
Management highlighted ongoing balance sheet management, loan origination growth, and capital strength with no explicit numerical guidance provided.
Tailwinds
- Continued NIM expansion expected from higher-yielding originations and deposit pricing discipline
- Capital ratios remain well above regulatory thresholds across stress scenarios
Historical earnings impact
How earnings announcements have historically affected this stock's price.
Avg. return before/after earnings
Based on 19 quarterly earnings reports
+0.3%
Avg return
Earnings day
-0.4%
Avg return
5 days after
+1.0%
Avg return
30 days after
56%
37 / 66 earnings
Positive
+8.6%
Q3 2015
Best reaction
-11.5%
Q1 2023
Worst reaction
| Quarter | Report date | Reaction (Day 0) | +5 days | +30 days |
|---|---|---|---|---|
| Q2 2026 | — | — | — | |
| Q1 2026 | -2.1% | +0.0% | +0.5% | |
| Q4 2025 | +3.6% | +1.6% | +0.2% | |
| Q3 2025 | +4.9% | +5.2% | +10.5% | |
| Q2 2025 | -0.7% | -2.1% | +5.6% | |
| Q1 2025 | +0.7% | +2.6% | +0.0% | |
| Q4 2024 | +5.6% | +5.3% | +1.3% | |
| Q3 2024 | +5.0% | +1.6% | +17.4% | |
| Q2 2024 | -4.6% | -16.4% | -7.7% | |
| Q1 2024 | -7.0% | +0.8% | -2.1% | |
| Q4 2023 | -3.8% | -11.0% | -21.5% | |
| Q3 2023 | -5.2% | -2.6% | +8.1% | |
| Q2 2023 | -0.5% | +7.1% | -4.0% | |
| Q1 2023 | -11.5% | -15.0% | -15.7% | |
| Q4 2022 | -5.4% | -6.1% | -6.5% | |
| Q3 2022 | +6.2% | +13.4% | +7.5% | |
| Q2 2022 | +2.6% | +2.0% | -2.6% | |
| Q1 2022 | -7.0% | -5.2% | -1.4% | |
| Q4 2021 | +1.9% | -2.0% | -6.0% | |
| Q3 2021 | +2.8% | +0.2% | -2.9% | |
| Q2 2021 | +3.6% | +2.5% | +12.3% | |
| Q1 2021 | -10.0% | -8.0% | -10.4% | |
| Q4 2020 | -0.3% | -6.8% | -3.8% | |
| Q3 2020 | -7.5% | -8.0% | +15.3% | |
| Q2 2020 | +2.9% | +1.2% | +0.9% | |
| Q1 2020 | -0.3% | +0.9% | +0.6% | |
| Q4 2019 | +3.1% | -0.2% | -7.2% | |
| Q3 2019 | +4.5% | +3.8% | +8.0% | |
| Q2 2019 | +1.6% | +3.5% | -1.7% | |
| Q1 2019 | -0.4% | +0.0% | -2.9% | |
| Q4 2018 | +1.3% | -0.2% | +4.8% | |
| Q3 2018 | +2.3% | +3.5% | +2.8% | |
| Q2 2018 | +5.6% | +6.4% | +7.8% | |
| Q1 2018 | +8.4% | +7.1% | +12.2% | |
| Q4 2017 | -2.3% | -2.7% | -3.1% | |
| Q3 2017 | +3.6% | +5.6% | +0.1% | |
| Q2 2017 | +2.8% | +7.0% | +3.3% | |
| Q1 2017 | -1.3% | -8.1% | -9.9% | |
| Q4 2016 | +4.9% | +2.1% | +2.5% | |
| Q3 2016 | +0.7% | +0.2% | +33.9% | |
| Q2 2016 | -2.8% | -4.3% | -5.3% | |
| Q1 2016 | +1.4% | — | — | |
| Q4 2015 | +2.7% | — | — | |
| Q3 2015 | +8.6% | — | — | |
| Q2 2015 | -4.2% | — | — | |
| Q1 2015 | +1.6% | — | — | |
| Q4 2014 | -3.9% | — | — | |
| Q3 2014 | +0.5% | — | — | |
| Q2 2014 | +2.8% | — | — | |
| Q1 2014 | -0.2% | — | — | |
| Q4 2013 | -0.4% | — | — | |
| Q3 2013 | -0.1% | — | — | |
| Q2 2013 | -7.1% | — | — | |
| Q1 2013 | +2.8% | — | — | |
| Q4 2012 | +2.7% | — | — | |
| Q3 2012 | -1.8% | — | — | |
| Q2 2012 | +0.1% | — | — | |
| Q1 2011 | +0.0% | — | — | |
| Q1 2012 | +0.5% | — | — | |
| Q4 2009 | +1.7% | — | — | |
| Q4 2011 | +1.7% | — | — | |
| Q4 2010 | +1.7% | — | — | |
| Q3 2011 | -1.3% | — | — | |
| Q3 2010 | -1.3% | — | — | |
| Q2 2010 | +4.0% | — | — | |
| Q2 2011 | +4.0% | — | — | |
| Q1 2010 | -2.4% | — | — |
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