Bank of Marin
Novato, California · FDIC Cert #32779
Bank of Marin is an FDIC-insured bank (Certificate #32779) with $3.7B in total assets and $3.2B in total deposits as of the Q2 2024 Call Report. 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). 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
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 4 points above the California state average of 72 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 382 similarly-sized banks, the average Health Score is 73, meaning this bank ranks above its size cohort. Site-wide, Bank of Marin is 6 points above the portfolio average of 70.
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 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.