Bank of Marin
Novato, California · FDIC Cert #32779
This is the FDIC profile for Bank of Marin, an FDIC-insured bank (Certificate #32779) with $3.7B in total assets and $3.2B in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Novato, California, the bank maintains a Tier 1 capital ratio of 14.32% (Well-Capitalized) and a nonperforming loan ratio of 2.01%. BankHealthData assigns a composite Health Grade of B (76/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Bank of Marin (FDIC cert 32779) is a mid-sized bank with $3.7B in total assets and $3.2B in deposits, based in Novato, California. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Capital position is strong: Tier 1 capital ratio of 14.32% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is elevated: non-performing loan ratio of 2.01% runs above 2%, suggesting the loan book carries more credit risk than peer banks. Elevated NPL can reflect specific portfolio concentrations or broader credit-cycle pressure. Liquidity is comfortable: 37.6% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is negative: ROA of -1.57% means the bank lost money during the reporting period. Sustained negative ROA erodes capital and triggers escalating regulatory attention. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. Bank of Marin carries a composite BankHealth grade of B (76/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Bank of Marin
- Total Assets
- $3.7B
- Total Deposits
- $3.2B
- Tier 1 Capital Ratio
- 14.32%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 2.01%
- Liquidity Ratio
- 37.60%
- Return on Assets
- -1.57%
- Headquarters
- Novato, California
- FDIC Certificate
- #32779
- Health Grade
- B (76/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
Bank of Marin files quarterly Call Reports with the FDIC under Certificate #32779. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, Bank of Marin holds a Tier 1 capital ratio of 14.32%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Bank of Marin has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Bank of Marin shows strong financial health indicators. With $3.7B in assets and a Health Score of 76/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Bank of Marin Compares
Bank of Marin’s Health Score of 76 is 6 points below the California state average of 82 across 123 FDIC-insured banks. Its 14.32% Tier 1 capital ratio is 0.3 points above the US banking industry average near 14%. The 2.01% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of -1.57% is below the national ROA benchmark of ~1.1%. Among 381 similarly-sized banks, the average Health Score is 78, meaning this bank ranks below its size cohort. Site-wide, Bank of Marin is 4 points below the portfolio average of 80.
Frequently Asked Questions
Bank of Marin has a Bank Health Score of B (76/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 14.32%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Bank of Marin's Tier 1 capital ratio of 14.32% and nonperforming loan ratio of 2.01% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Bank of Marin is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #32779). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Bank of Marin holds $3.7B in total assets and $3.2B in total deposits. It is headquartered in Novato, California (FDIC Certificate #32779).
Bank of Marin's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #32779 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
Bank of Marin has a Tier 1 capital ratio of 14.32%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 2.01%, and the return on assets is -1.57%.
Yes. Bank of Marin is FDIC-insured (Certificate #32779). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Bank of Marin's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.