---
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"
generated_at: "2026-05-18T00:12:59.219614+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Bank of Marin Q2 2025 net loss $8.5M, diluted EPS -$0.53; adjusted EPS $0.29

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- 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/1403475/000140347525000054/0001403475-25-000054-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1403475/000140347525000054/bmrc-20250728.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001403475-25-000054
- JSON: https://secwatch.observer/filing/0001403475-25-000054.json
- Plain text: https://secwatch.observer/filing/0001403475-25-000054.txt

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