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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Bank of Marin Bancorp
Bank of Marin Bancorp (BMRC) investor relations material
Bank of Marin Bancorp Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary26 Oct, 2026
Executive summary
Q3 net income was $9.934 million, up 7.4% QoQ and 32.0% YoY; diluted EPS was $0.62, versus $0.58 in Q2 and $0.47 in Q3 2025.
Pre-tax, pre-provision net income rose 17.4% QoQ to $14.5 million as NIM expanded, fee income strengthened and expenses declined.
Loans and deposits grew, supported by organic fundings, a residential mortgage pool purchase and growth in noninterest-bearing deposits.
Financial highlights
Net interest income was $31.4 million, up $619,000 QoQ; loan interest income rose $834,000 while investment-securities income fell $505,000 due to paydowns.
Noninterest income was $3.67 million, up 15.8% YoY; QoQ growth included $251,000 in additional business deposit service charges and a $199,000 FHLB special dividend.
Noninterest expense declined $1.0 million QoQ to $20.6 million, reflecting lower salaries and benefits, FDIC insurance, professional services and other expenses.
Excluding the 2025 securities repositioning loss, 9M 2026 net income was $27.690 million versus $17.064 million; diluted EPS was $1.73 versus $1.07.
Outlook and guidance
Q4 expenses are expected to be similar to Q3; expenses are seasonal, with Q1 personnel resets and Q2 typically the peak.
Legacy loan repricing, higher-rate new originations and construction commitments are expected to support modest NIM expansion; the Q4 pipeline was similar to the prior-year quarter.
New loan fundings averaged 6.65%, above the 5.93% payoff rate; loan growth at higher rates and deposit price discipline support the margin outlook.
Management expects continued benefits from the updated business service fee schedule and a relatively low rising-rate deposit beta.
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Latest events from Bank of Marin Bancorp
- Q2 2026 net income and EPS surged on margin expansion, asset quality gains, and cost control.BMRC
Q2 2026 - Q1 2026 net income rose 75% year-over-year, driven by margin, loan, and credit quality gains.BMRCQ1 2026
- Shareholders to vote on directors, executive pay, and auditor amid strong performance and ESG focus.BMRCProxy filing
- Q4 2025 featured record loan originations, margin expansion, and strong capital and liquidity.BMRCRaymond James Northern California Bank Investor Symposium presentation
- Strong loan and deposit growth, improved credit, and margin expansion despite restructuring loss.BMRCQ4 2025
- Q3 2024 net income rebounded to $4.6M as margins, deposits, and capital improved.BMRCQ3 2024
- $21.9M Q2 loss from securities sale; core earnings, capital, and margin outlook remain strong.BMRCQ2 2024
- Net income up 67% year-over-year, with strong deposit growth and margin expansion.BMRCQ1 2025
- Q4 2024 net income and EPS rose, margins expanded, and asset quality and capital stayed strong.BMRCQ4 2024
Next Bank of Marin Bancorp earnings date
Q4 202625 Jan, 2027
Bank of Marin Bancorp
Next Bank of Marin Bancorp earnings date
Q4 202625 Jan, 2027
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Frequently asked questions
Bank of Marin Bancorp operates as the holding company for Bank of Marin that provides a range of financial services primarily to professionals, small and middle-market businesses, individuals, and not-for-profit organizations. The company operates through four segments: Los Angeles Branch, Small Business Unit, Personal Banking Unit, and International and Other Services Unit. It offers loans to businesses that are engaged in real estate, professional services, wholesale trade, manufacturing, transportation and distribution, retail, and telecommunications industries; business banking products and services include deposit accounts, cash management programs, commercial lending products and services including term loans, revolving lines of credit, asset-based lending products and services including equipment financing loans, lines of credit secured by inventory or accounts receivable; personal banking products and services include deposits accounts that consist of checking accounts for individuals with low net worth requirements (Basic Checking). Bank of Marin Bancorp is based in Novato, California.