---
schema_version: "secwatch.filing_event.v1"
accession: "0001403475-25-000011"
form_type: "8-K"
ticker: "BMRC"
cik: "0001403475"
company_name: "Bank of Marin Bancorp"
filed_at: "2025-01-29T23:59:59+00:00"
generated_at: "2026-05-27T06:39:31.270254+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Bank of Marin posts Q4 EPS growth of 36%; NIM rises to 2.80%

## Summary
- EPS grew 36% in Q4 2024; efficiency ratio improved 9.65%.
- Net interest margin (tax-equiv) increased to 2.80% from 2.70%.
- Total risk-based capital 16.5%; TCE/TA 9.9% (7.9% adj for HTM).
- Non-accrual loans decreased to 1.63% of total loans from 1.91%.
- Total deposits fell $89.2M; non-interest bearing deposits 43.5% of total.

## SEC filing metadata
- accession: 0001403475-25-000011
- form_type: 8-K
- ticker: BMRC
- cik: 0001403475
- company_name: Bank of Marin Bancorp
- filed_at: 2025-01-29T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1403475/000140347525000011/0001403475-25-000011-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1403475/000140347525000011/bmrc-20250129.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001403475-25-000011
- JSON: https://secwatch.observer/filing/0001403475-25-000011.json
- Plain text: https://secwatch.observer/filing/0001403475-25-000011.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.