The earnings call presented a strong financial performance with significant growth in earnings per share, an improved net interest margin, and robust deposit growth. However, these positives were offset by challenges in loan balance growth due to high payoffs and paydowns, an increase in classified loans, and a rise in noninterest expenses.

Company Guidance -

Q1 2025

During Bank of Marin Bancorp's first-quarter 2025 earnings call, key financial metrics highlighted included a significant 36 basis point increase in net interest margin and a 67% growth in earnings per share year-over-year. The bank reported $4.9 million in net income, equating to $0.30 per share, a 67% increase from the previous year. Total deposits grew by $82 million, with noninterest-bearing deposits comprising 43% of total deposits. The bank's total risk-based capital ratio stood strong at 16.69%, and the tangible common equity (TCE) ratio was 9.82%. Loan originations totaled $63 million, including $48 million in new fundings, with commercial loan originations comprising $49 million. Despite solid loan production, payoffs and paydowns resulted in a slight net decrease in loan balances. Additionally, noninterest expense increased by $2.9 million from the prior quarter due to seasonally higher expenses and accelerated charitable contributions. The bank maintained stable asset quality, with a slight decline in nonaccrual loans and a modest charge-off primarily from the sale of an acquired loan.

Strong Earnings Per Share Growth

Bank of Marin reported a 67% year-over-year increase in earnings per share for Q1 2025, driven by improved financial performance and prudent balance sheet management.

Net Interest Margin Improvement

The net interest margin increased by 36 basis points year-over-year in Q1 2025, helped by a 7 basis point decrease in deposit costs and strategic balance sheet management.

Deposit Growth

Total deposits grew by $82 million in Q1 2025, with noninterest-bearing deposits contributing $26 million to this increase.

Commercial Loan Origination Increase

Commercial loan originations were $49 million, with $43 million in fundings, marking a fivefold increase compared to the first quarter of the previous year.

Strong Capital Ratios

The bank reported a total risk-based capital ratio of 16.69% and a TCE ratio of 9.82%, indicating strong capital positioning.

Bank Of Marin Bancorp (BMRC) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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BMRC Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Jul 28, 2025	2025 (Q2)	0.34 / -	-1.36	―	―	―
Apr 28, 2025	2025 (Q1)	0.32 / 0.30	0.18	66.67% (+0.12)
Jan 27, 2025	2024 (Q4)	0.32 / 0.38	0.04	850.00% (+0.34)
Oct 28, 2024	2024 (Q3)	0.27 / 0.28	0.33	-15.15% (-0.05)
Jul 29, 2024	2024 (Q2)	0.16 / -1.36	0.28	-585.71% (-1.64)
Apr 29, 2024	2024 (Q1)	0.26 / 0.18	0.59	-69.49% (-0.41)
Jan 29, 2024	2023 (Q4)	0.32 / 0.04	0.81	-95.06% (-0.77)
Oct 23, 2023	2023 (Q3)	0.32 / 0.33	0.76	-56.58% (-0.43)
Jul 24, 2023	2023 (Q2)	0.43 / 0.28	0.69	-59.42% (-0.41)
Apr 24, 2023	2023 (Q1)	0.66 / 0.59	0.66	-10.61% (-0.07)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

BMRC Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Apr 28, 2025	$20.57	$20.72	+0.73%
Jan 27, 2025	$23.48	$24.80	+5.62%
Oct 28, 2024	$21.13	$22.03	+4.26%
Jul 29, 2024	$21.36	$18.74	-12.27%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Bank Of Marin (BMRC) report earnings?

Bank Of Marin (BMRC) is schdueled to report earning on Jul 28, 2025, Before Open (Confirmed).

What is Bank Of Marin (BMRC) earnings time?

Bank Of Marin (BMRC) earnings time is at Jul 28, 2025, Before Open (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is BMRC EPS forecast?

BMRC EPS forecast for the fiscal quarter 2025 (Q2) is 0.34.

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