Bank of Marin (BMRC) Reports Q3 Earnings: What Key Metrics Have to Say

Core Insights - Bank of Marin reported a revenue of $31.1 million for the quarter ended September 2025, reflecting a year-over-year increase of 14.5% [1] - The earnings per share (EPS) for the quarter was $0.47, up from $0.28 in the same quarter last year, resulting in an EPS surprise of +11.9% against the consensus estimate of $0.42 [1] Financial Performance Metrics - The net interest margin (FTE) was reported at 3.1%, matching the average estimate from three analysts [4] - The efficiency ratio stood at 68.9%, slightly above the average estimate of 68% based on three analysts [4] - The average balance of total interest-earning assets was $3.6 billion, exceeding the average estimate of $3.54 billion from two analysts [4] - Total non-accrual loans were reported at $31.49 million, lower than the estimated $32.86 million by two analysts [4] - Net interest income was $28.19 million, surpassing the average estimate of $27.95 million from three analysts [4] - Total non-interest income was $2.75 million, below the average estimate of $3.08 million from three analysts [4] - Net interest income (FTE) was reported at $28.35 million, slightly above the average estimate of $28.14 million from two analysts [4] Stock Performance - Over the past month, shares of Bank of Marin have returned -1.5%, contrasting with the Zacks S&P 500 composite's +2.5% change [3] - The stock currently holds a Zacks Rank 2 (Buy), indicating potential for outperformance in the near term [3]