{"schema_version":"secwatch.filing_event.v1","accession":"0001403475-25-000054","form_type":"8-K","ticker":"BMRC","cik":"0001403475","company_name":"Bank of Marin Bancorp","filed_at":"2025-07-28T23:59:59+00:00","discovered_at":"2026-05-14T18:02:43.900745+00:00","generated_at":"2026-05-18T00:12:59.219614+00:00","sec_items":["7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Bank of Marin Q2 2025 net loss $8.5M, diluted EPS -$0.53; adjusted EPS $0.29","bullets":["Q2 2025 net loss $8.5M, diluted EPS -$0.53; adjusted EPS $0.29 (29.56% tax rate) and $0.36 (23.78% rate), both non-GAAP.","Sold $185.8M AFS securities for pre-tax loss $18.7M; proceeds redeployed with expected 13bp NIM increase and $0.20 EPS accretion over 4 quarters.","Tax-equivalent NIM rose to 2.93% from 2.86% QoQ; total cost of deposits down 1bp to 1.28%.","Total risk-based capital 16.25%; TCE/TA 10.0%; repurchased 100K shares for $2.2M at avg $21.72.","Non-accrual loans 1.57% of total loans (down 2bps QoQ); classified loans up to 2.95% due to $3.9M in two CRE relationships."],"urls":{"canonical":"https://secwatch.observer/filing/0001403475-25-000054","json":"https://secwatch.observer/filing/0001403475-25-000054.json","markdown":"https://secwatch.observer/filing/0001403475-25-000054.md","text":"https://secwatch.observer/filing/0001403475-25-000054.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1403475/000140347525000054/0001403475-25-000054-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1403475/000140347525000054/bmrc-20250728.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T00:12:59.219614+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}