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Bank of Marin (BMRC) Reports Q1 Earnings: What Key Metrics Have to Say

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For the quarter ended March 2026, Bank of Marin (BMRC - Free Report) reported revenue of $34.29 million, up 23.2% over the same period last year. EPS came in at $0.53, compared to $0.30 in the year-ago quarter.

The reported revenue represents a surprise of +1.44% over the Zacks Consensus Estimate of $33.8 million. With the consensus EPS estimate being $0.56, the EPS surprise was -5.36%.

While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

Here is how Bank of Marin performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
  • Net interest margin (FTE): 3.2% versus the four-analyst average estimate of 3.4%.
  • Efficiency Ratio: 66% versus 63.2% estimated by four analysts on average.
  • Average Balance - Total interest-earning assets: $3.75 billion compared to the $3.7 billion average estimate based on three analysts.
  • Net charge-offs to average loans: 0.3% versus the three-analyst average estimate of 0.1%.
  • Total non-accrual loans: $8.64 million compared to the $25 million average estimate based on two analysts.
  • Total non-interest income: $3.83 million versus the four-analyst average estimate of $2.84 million.
  • Net Interest Income (FTE): $30.45 million compared to the $30.98 million average estimate based on three analysts.
  • Net interest income: $30.3 million versus $31.74 million estimated by three analysts on average.

View all Key Company Metrics for Bank of Marin here>>>

Shares of Bank of Marin have returned +2.2% over the past month versus the Zacks S&P 500 composite's +9.3% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.

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