Total Assets
$3.9B
Total balance-sheet footings
FDIC Cert #32779 · Novato, California · Est. 1990
Bank of Marin - FDIC Bank Health Profile
This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.
- $3.9B
- Total assets
- C
- Health grade · Fair
- -0.89%
- Return on assets
- 12.7%
- Tier 1 capital
Data updated July 2026
The verdict
Bank of Marin earns a PlainBankData health grade of C (59/100), with well-capitalized at 12.69% Tier 1, -0.89% ROA, 67% efficiency ratio.
- #346
- largest of 4,313 FDIC banks by assets
- 92nd
- percentile by asset size, nationally
- 12.69%
- Tier 1 ratio - above the 10% well-capitalized line
- 2nd
- percentile for profitability (ROA), nationally
A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.
How Bank of Marin's 59/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Bank of Marin's composite health score
Tier 1 Capital Ratio (12.69%) 35/40
Return on Assets (ROA) (-0.89%) 0/25
Texas Ratio (6.20%) 16/20
Efficiency Ratio (66.51%) 8/15
59 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$3.5B
Customer-funded liabilities
Net Loans
$2.1B
Outstanding loan book
Net Income
$-33,750K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Bank of Marin ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bank of Marin's score of 59/100 falls in the highlighted band.
Bank of Marin's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Bank of Marin's $3.9B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.69% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.69%
Texas Ratio
6.20%
Equity Capital
$404M
Profitability metrics
Return on Assets (ROA)
2nd percentile nationally
-0.89%
Return on Equity (ROE)
-8.09%
Efficiency Ratio
66.51%
What the numbers say about Bank of Marin
Bank of Marin is an FDIC-insured institution (Certificate #32779) headquartered in Novato, California, established in 1990. It holds $3.9B in total assets - 346th of 4,313 FDIC-insured banks, $3.5B in customer deposits, and $2.1B in net loans. Its capital position: a Tier 1 ratio of 12.69%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 6.20% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of C (59 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Nationally, Bank of Marin sits in the top decile of all FDIC-insured institutions by asset size (346th of 4,313), and within California it ranks 30th of 121 state-chartered and national banks headquartered there. The next-largest bank in the state by assets is Bank of the Sierra, at $3.8B. A bank of this scale carries systemic weight in its market -- its lending and deposit decisions move local credit availability in a way a community-scale institution's simply cannot.
Income & expense breakdown
$154M
Interest Income
$10M
Non-Interest Income
$79M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Bank of Marin reports a Texas Ratio of 6.20% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
6.20% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at Bank of Marin
Bank of Marin's grade of C reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-33,750K for the period, a loss that, if sustained, erodes the equity cushion.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Bank of Marin up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.
Top banks in California by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Bank of Marin (FDIC Cert #32779) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in California
All California banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| City National BankLos Angeles | $98.4B | A | 0.95% |
| East West BankPasadena | $79.7B | A | 1.72% |
| Banc of CaliforniaLos Angeles | $34.7B | B | 0.78% |
| Axos BankSan Diego | $27.2B | A | 1.77% |
| Cathay BankLos Angeles | $24.2B | A | 1.38% |
| Mechanics BankWalnut Creek | $22.4B | A | 1.44% |
| Bank of HopeLos Angeles | $18.5B | B | 0.42% |
| Citizens Business Bank, National AssociationOntario | $15.6B | A | 1.39% |
Frequently asked questions
What is Bank of Marin's health grade?▼
Bank of Marin receives a health grade of C (59/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Bank of Marin?▼
Bank of Marin holds $3.9B in total assets and $3.5B in deposits, ranking 346th of 4,313 FDIC-insured banks by asset size. It is headquartered in Novato, California.
Is my money safe at Bank of Marin?▼
Yes, deposits at Bank of Marin (Certificate #32779) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Bank of Marin's Tier 1 Capital Ratio?▼
Bank of Marin has a Tier 1 Capital Ratio of 12.69%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Bank of Marin?▼
Bank of Marin has a Texas Ratio of 6.20%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Bank of Marin?▼
Bank of Marin has an Efficiency Ratio of 66.51%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Bank of Marin's profile as a depositor or analyst.
- Bank of Marin's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Bank of Marin against other California banks before moving funds. California banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.