Bank of Marin: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Retained earnings: 19.0% higher than in Q1 2026, at $64.7M. Within California, Bank of Marin is 51st of 74 on CET1 ratio, 13.69% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio; Bank of Marin reported 13.69% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.69% |
| Tier 1 risk-based capital ratio | 13.69% |
| Total risk-based capital ratio | 14.61% |
| Tier 1 leverage ratio | 9.16% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $347.4M |
| Tier 1 capital | $347.4M |
| Total risk-based capital | $370.7M |
| Total equity capital | $415.9M |
| Risk-weighted assets | $2.54B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.79% |
| Tangible equity to tangible assets | 9.03% |
| Equity capital to average assets | 10.70% |
| Internal capital growth rate | 10.09% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $378.4M |
| Common stock surplus | $0 |
| Retained earnings | $64.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$27.2M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 15.20% | 15.20% | 16.13% | 9.95% | $2.67B |
| Q4 2023 | 15.63% | 15.63% | 16.62% | 10.28% | $2.61B |
| Q1 2024 | 15.70% | 15.70% | 16.71% | 10.69% | $2.59B |
| Q2 2024 | 14.32% | 14.32% | 15.54% | 9.79% | $2.56B |
| Q3 2024 | 14.60% | 14.60% | 15.82% | 10.02% | $2.55B |
| Q4 2024 | 14.91% | 14.91% | 16.13% | 10.18% | $2.54B |
| Q1 2025 | 15.25% | 15.25% | 16.45% | 10.46% | $2.53B |
| Q2 2025 | 13.78% | 13.78% | 15.00% | 9.37% | $2.51B |
| Q3 2025 | 13.92% | 13.92% | 15.11% | 9.43% | $2.55B |
| Q4 2025 | 12.69% | 12.69% | 13.90% | 8.49% | $2.57B |
| Q1 2026 | 13.17% | 13.17% | 14.09% | 8.59% | $2.56B |
| Q2 2026 | 13.69% | 13.69% | 14.61% | 9.16% | $2.54B |
Bank of Marin regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Marin, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bank of Marin profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32779) · FFIEC NIC profile (RSSD 1436204)