BMRC

Bank of Marin Bancorp is a bank holding company headquartered in Novato, California, operating through its wholly owned subsidiary Bank of Marin. The bank provides comprehensive commercial and personal banking services to businesses, professionals, and individuals in the San Francisco Bay Area, including Marin, Napa, Sonoma, and San Francisco counties. Founded in 1989, Bank of Marin has built a strong community banking franchise in one of the wealthiest and most dynamic regions of the United States, emphasizing relationship banking, personalized service, and deep local market expertise. Bank of Marin specializes in commercial real estate lending, commercial and industrial loans, construction financing, business lines of credit, and SBA lending. The loan portfolio reflects the bank's commercial focus and the characteristics of Bay Area markets, with significant concentrations in commercial real estate, business loans, and loans to professionals. The bank serves diverse industries including real estate, wine production and hospitality (particularly in Napa and Sonoma), professional services, technology, healthcare, and various commercial enterprises. On the deposit side, Bank of Marin offers business and personal checking and savings accounts, money market accounts, certificates of deposit, and treasury management services designed for commercial clients. The bank differentiates itself through experienced local bankers providing consultative relationships, quick decision-making with local lending authority, deep knowledge of Bay Area markets and industries, and commitment to community involvement. Bank of Marin has maintained strong asset quality, solid capital ratios, and consistent profitability through various economic cycles. The bank serves affluent individuals, successful businesses, and entrepreneurs in markets characterized by high wealth, expensive real estate, and dynamic economic activity. Bank of Marin competes against larger regional and national banks as well as other community banks by combining personalized service with sophisticated product capabilities. The company benefits from operating in economically strong Bay Area markets while managing exposure to high real estate values and economic concentration risks. Bank of Marin focuses on profitable organic growth, maintaining credit discipline, deepening customer relationships, and delivering superior service that justifies premium pricing.