The earnings call presented a mixed sentiment with significant growth in net interest margin and effective capital management, contrasted by a net loss driven by securities repositioning and declines in noninterest income. Despite these challenges, the bank maintained positive trends in loan growth and deposit recovery, supported by a strong capital position.

Company Guidance

During the second quarter of fiscal year 2025, Bank of Marin Bancorp demonstrated solid financial performance, exhibiting a 15% increase in pretax pre-provision net income compared to the previous quarter and an 85% increase year-to-date. The bank reported net interest income of $25.9 million, aided by a 7 basis point increase in net interest margin, while effectively managing expenses. There was a 13 basis point anticipated lift in net interest margin and a $0.20 annual earnings per share boost expected from the securities repositioning. Total loan originations amounted to $68.8 million, with $50.2 million in fundings, maintaining stable asset quality. Despite a decline in total deposits due to seasonal factors, the bank recouped over 70% of the outflows by July. The total risk-based capital ratio stood at 16.25%, and the TCE ratio at 9.95%. Excluding a $8.5 million loss on securities sales, net income and EPS grew by 18% from the previous quarter. The bank maintained its disciplined underwriting and pricing, expecting loan growth and continued upward trends in net interest margin, enhancing future financial performance.

Pretax Pre-provision Net Income Growth

Pretax pre-provision net income increased 15% compared to the prior quarter and 85% compared to the prior year-to-date.

Net Interest Margin Expansion

Net interest margin increased by 7 basis points from the prior quarter, with a 13 basis points lift expected from securities repositioning.

Loan Originations and New Relationships

Total loan originations were $68.8 million of commitments, including $50.2 million in fundings, with a diversified mix across commercial banking categories.

Positive Deposit Trends

Despite seasonal outflows, total deposits have grown year-to-date, with over 70% of second-quarter outflows recouped in July.

Strong Capital Ratios

Total risk-based capital ratio of 16.25% and a TCE ratio of 9.95% were maintained, with $2.2 million of shares repurchased during the quarter.

Dividend Continuation

The Board of Directors declared a cash dividend of $0.25 per share on July 24, marking the 81st consecutive quarterly dividend.

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
Oct 27, 2025	2025 (Q3)	0.41 / -	0.28	―	―	―
Jul 28, 2025	2025 (Q2)	-0.53 / -0.53	-1.36	61.03% (+0.83)
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)

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
Jul 28, 2025	$23.51	$23.38	-0.55%
Apr 28, 2025	$20.34	$20.49	+0.74%
Jan 27, 2025	$23.21	$24.52	+5.64%
Oct 28, 2024	$20.89	$21.78	+4.26%

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 Bancorp (BMRC) report earnings?

Bank Of Marin Bancorp (BMRC) is schdueled to report earning on Oct 27, 2025, Before Open (Confirmed).

What is Bank Of Marin Bancorp (BMRC) earnings time?

Bank Of Marin Bancorp (BMRC) earnings time is at Oct 27, 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 (Q3) is 0.41.

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