Bank of Marin: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 10.11 percentage points lower than in Q1 2026, at 372.83%. On loan-to-deposit ratio, Bank of Marin is 10th from the bottom among 114 California banks, 61.89% (Q2 2026). Bank of Marin reported 61.89% on loan-to-deposit ratio for Q2 2026, 26.31 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.10B |
| Net loans and leases | $2.08B |
| Loans held for sale | $0 |
| Loans to total assets | 54.48% |
| Loan-to-deposit ratio | 61.89% |
| Net loans to equity capital | 5.00% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 64.17% |
| Multifamily (5+ residential) | 11.68% |
| Commercial and industrial | 5.73% |
| Consumer | 2.73% |
| Credit cards | 0.00% |
| Farm | 0.38% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.53% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 372.83% |
| Construction concentration (Tier 1 capital + allowance) | 10.05% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.16% |
| Interest income on loans | $27.3M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $2.09B | $3.46B | 63.73% | 5.56% | 3.18% |
| Q4 2023 | $2.07B | $3.30B | 64.26% | 5.83% | 3.26% |
| Q1 2024 | $2.05B | $3.29B | 64.58% | 5.39% | 3.26% |
| Q2 2024 | $2.08B | $3.24B | 63.23% | 6.03% | 3.21% |
| Q3 2024 | $2.09B | $3.32B | 61.90% | 5.52% | 3.26% |
| Q4 2024 | $2.08B | $3.23B | 62.43% | 5.11% | 3.21% |
| Q1 2025 | $2.07B | $3.31B | 63.71% | 4.83% | 3.18% |
| Q2 2025 | $2.07B | $3.28B | 64.76% | 5.15% | 3.12% |
| Q3 2025 | $2.09B | $3.41B | 64.78% | 5.13% | 3.02% |
| Q4 2025 | $2.12B | $3.45B | 64.40% | 5.52% | 2.81% |
| Q1 2026 | $2.12B | $3.46B | 64.05% | 5.63% | 2.66% |
| Q2 2026 | $2.10B | $3.39B | 64.17% | 5.73% | 2.73% |
Bank of Marin loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Marin, freeSource: Call Report Schedule RC-C, 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)