BlastPoint's Banking Scorecard
Bank of Marin
Community
Specialty: Commercial
CA
FDIC cert 32779
Novato, CA
1484
banks in Community tier nationally
59 in CA
View Community leaderboard (CA) →
Bank of Marin has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 22.48% below tier
- + Non-Interest-Bearing Deposit Share 23.22% above tier
Key Concerns
Areas that may need attention
- - Return on Assets 2.05% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.9B
+5.5% YoY
+0.9% QoQ
|
+$2.5B |
$1.4B
+2.0% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
Top 4% in tier |
| Total Loans ? |
$2.1B
+1.9% YoY
+1.5% QoQ
|
+$1.1B |
$975.5M
+2.4% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
Top 10% in tier |
| Total Deposits ? |
$3.5B
+6.8% YoY
+1.2% QoQ
|
+$2.3B |
$1.2B
+1.7% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
Top 3% in tier |
| Return on Assets ? |
-0.89%
-374.6% YoY
-612.6% QoQ
|
-2.05% |
1.16%
+17.2% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 1% in tier |
| Net Interest Margin ? |
3.19%
+15.0% YoY
+4.1% QoQ
|
-0.47% |
3.66%
+9.1% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
24% |
| Efficiency Ratio ? |
67.66%
-9.4% YoY
-4.1% QoQ
|
+5.02% |
62.63%
-5.3% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
33% |
| Delinquency Rate ? |
1.29%
-22.0% YoY
-15.8% QoQ
|
+0.66% |
0.63%
+18.3% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
19% |
| Loan-to-Deposit Ratio ? |
60.59%
-4.6% YoY
+0.2% QoQ
|
-22.48% |
83.06%
+0.3% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
Top 9% in tier |
| Non-Interest-Bearing Deposit Share ? |
44.27%
+1.4% YoY
+1.7% QoQ
|
+23.22% |
21.05%
-0.9% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
Top 3% in tier |
| Nonperforming Asset Ratio ? |
0.69%
-24.7% YoY
-15.3% QoQ
|
+0.19% |
0.50%
+20.3% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
29% |
| Tier 1 Capital Ratio ? |
12.69%
-14.9% YoY
-8.8% QoQ
|
+2.45% |
10.24%
-0.6% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
55% |
| Non-Interest Income / Assets ? |
0.26%
-1.6% YoY
+30.8% QoQ
|
-0.48% |
0.74%
-1.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
17% |
Signature Analysis
Strengths (2)
Loan-to-Deposit Ratio
metric
Top 9%
in Community
Why this stands out
Current:
60.59%
(Tier avg: 83.06%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Top 3%
in Community
Why this stands out
Current:
44.27%
(Tier avg: 21.05%, National avg: 21.79%)
Concerns (1)
Return on Assets
metric
Bottom 1%
in Community
Why this stands out
Current:
-0.89%
(Tier avg: 1.16%, National avg: 1.12%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
97
97th pctile
Non-Interest-Bearing Deposit Share
Current: 44.27% · Tier avg: 21.05%
97
97th pctile
Total Deposits
Current: $3.5B · Tier avg: $1.2B
96
96th pctile
Total Assets
Current: $3.9B · Tier avg: $1.4B
91
91th pctile
Loan-to-Deposit Ratio
Current: 60.59% · Tier avg: 83.06%
90
90th pctile
Total Loans
Current: $2.1B · Tier avg: $975.5M
55
55th pctile
Tier 1 Capital Ratio
Current: 12.69% · Tier avg: 10.24%
33
33th pctile
Efficiency Ratio
Current: 67.66% · Tier avg: 62.63%
29
29th pctile
Nonperforming Asset Ratio
Current: 0.69% · Tier avg: 0.50%
24
24th pctile
Net Interest Margin
Current: 3.19% · Tier avg: 3.66%
19
19th pctile
Delinquency Rate
Current: 1.29% · Tier avg: 0.63%
17
17th pctile
Non-Interest Income / Assets
Current: 0.26% · Tier avg: 0.74%
1
1th pctile
Return on Assets
Current: -0.89% · Tier avg: 1.16%
Top Weaknesses
1
1th pctile
Return on Assets
Current: -0.89% · Tier avg: 1.16%
17
17th pctile
Non-Interest Income / Assets
Current: 0.26% · Tier avg: 0.74%
19
19th pctile
Delinquency Rate
Current: 1.29% · Tier avg: 0.63%
24
24th pctile
Net Interest Margin
Current: 3.19% · Tier avg: 3.66%
29
29th pctile
Nonperforming Asset Ratio
Current: 0.69% · Tier avg: 0.50%
33
33th pctile
Efficiency Ratio
Current: 67.66% · Tier avg: 62.63%
55
55th pctile
Tier 1 Capital Ratio
Current: 12.69% · Tier avg: 10.24%
90
90th pctile
Total Loans
Current: $2.1B · Tier avg: $975.5M
91
91th pctile
Loan-to-Deposit Ratio
Current: 60.59% · Tier avg: 83.06%
96
96th pctile
Total Assets
Current: $3.9B · Tier avg: $1.4B
97
97th pctile
Total Deposits
Current: $3.5B · Tier avg: $1.2B
97
97th pctile
Non-Interest-Bearing Deposit Share
Current: 44.27% · Tier avg: 21.05%