)
Edge3 Oct 2025
Epiroc: A Culture of Moving Mountains
From automation to electrification, Swedish industrial giant Epiroc is leading a transformation in how the world mines.
Bank of Marin Bancorp (BMRC) investor relations material
Bank of Marin Bancorp Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary28 Jul, 2025
Executive summary
Reported a net loss of $8.5M for Q2 2025, driven by an $18.7M pre-tax loss on securities repositioning; excluding this, adjusted net income was $4.7M and EPS $0.29.
Pre-tax, pre-provision net income rose 15% sequentially and 85% year-to-date, supported by net interest margin expansion and expense management.
Book value per share increased to $27.21 and tangible book value per share to $22.55 at June 30, 2025.
Loan originations totaled $68.8M in commitments and $49.1M in commercial loans, with a diversified mix across categories.
Strong capital position enabled $2.2M in share repurchases and continued dividend payments.
Financial highlights
Net interest income increased to $25.9M, driven by higher average earning assets and a 7 basis point net interest margin increase to 2.93%.
Non-interest expense rose slightly due to technology and branch upgrades, annual events, and regulatory fees.
No provision for credit losses was required; allowance for credit losses remained at 1.44% of total loans.
Non-accrual loans decreased to 1.57% of total loans.
Book value and tangible book value per share increased in Q2, reflecting improved financial performance.
Outlook and guidance
Securities repositioning is expected to add 13 basis points to net interest margin and $0.20 annual EPS, with most benefits starting in Q3.
Management expects continued positive trends in net interest margin, revenue, and loan growth for the remainder of 2025.
Noninterest expense for the rest of the year projected to be similar to the first half.
Capital and liquidity levels are projected to remain above regulatory and internal minimums across stress scenarios.
Margin expected to trend upward, with restructuring benefits mainly in Q3; three and a half percent margin seen as achievable in late 2026.
What drove the CRE loan downgrades?
Assess appetite for HTM securities repositioning.
Detail drivers for net loan growth outlook.
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next Bank of Marin Bancorp earnings date
Q3 202527 Oct, 2025
Next Bank of Marin Bancorp earnings date
Q3 202527 Oct, 2025
The essential earnings season companion
The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
Related articles
)
Company Research22 Sep 2025
Moody's: Shaping Global Credit
Explore Moody's evolution from publishing manuals to becoming a giant in credit ratings, guiding issuers, investors, and regulators worldwide.
)
Edge19 Sep 2025
American Express: An Empire of Plastic
How history, brand, and structure have steadily built American Express' moat, and why Warren Buffett still calls it a one-of-a-kind business.
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.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage