Bank of Marin (BMRC) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates

For the quarter ended September 2026, Bank of Marin (BMRC) reported revenue of $35.22 million, up 13.2% over the same period last year. EPS came in at $0.62, compared to $0.47 in the year-ago quarter.

The reported revenue compares to the Zacks Consensus Estimate of $35.13 million, representing a surprise of +0.26%. The company delivered an EPS surprise of +8.77%, with the consensus EPS estimate being $0.57.

While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

Here is how Bank of Marin performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:

• Efficiency Ratio: 58.7% versus the five-analyst average estimate of 62.5%.

• Net interest margin (FTE): 3.5% versus 3.4% estimated by five analysts on average.

• Average Balance - Total interest-earning assets: $3.55 billion compared to the $3.68 billion average estimate based on three analysts.

• Total non-accrual loans: $9.67 million versus the three-analyst average estimate of $8.55 million.

• Common equity Tier 1 capital ratio (to risk-weighted assets) - Bancorp: 13% versus 13% estimated by two analysts on average.

• Total risk-based capital ratio - Bancorp: 15.6% compared to the 15.6% average estimate based on two analysts.

• Total non-interest income: $3.67 million versus the five-analyst average estimate of $3.14 million.

• Net interest income: $31.4 million compared to the $31.83 million average estimate based on five analysts.

• Net Interest Income (FTE): $31.55 million compared to the $32.03 million average estimate based on four analysts.

• Service charges on deposit accounts: $0.81 million compared to the $0.57 million average estimate based on three analysts.

• Wealth Management and Trust Services: $0.56 million versus the three-analyst average estimate of $0.55 million.

• Earnings on bank-owned life insurance, net: $0.45 million versus $0.49 million estimated by two analysts on average.

View all Key Company Metrics for Bank of Marin here>>>

Shares of Bank of Marin have returned -2.9% over the past month versus the Zacks S&P 500 composite's -1.2% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.