Bank of Marin Bancorp (NASDAQ: BMRC) outlines Q4 loss, capital and liquidity at Piper Sandler forum

Rhea-AI Filing Summary

Bank of Marin Bancorp furnished an investor presentation tied to its participation in the Piper Sandler Western Bank Forum, outlining fourth-quarter and full-year 2025 performance and balance sheet actions. The company has $3.9 billion in total assets and a $418.8 million market cap as of December 31, 2025.

In Q4 2025, newly funded loans reached $106.5 million, driving loans up 5.84% annualized, while tax-equivalent net interest margin improved to 3.18% from 2.97%. The bank sold $593.2 million of legacy held-to-maturity securities, recognizing a $69.5 million pre-tax loss, and issued $45 million of subordinated debt at 6.75% to replenish capital.

Non-interest-bearing deposits were 36.7% of total deposits, with a 1.35% cost of deposits and $2.148 billion in available liquidity. Despite a Q4 2025 GAAP net loss of $39.5 million and a full-year GAAP net loss of $35.7 million, non-GAAP comparable net income was $9.4 million for Q4 and $26.5 million for 2025, supported by strong capital ratios including 16.13% total risk-based capital.

Insights

Banking sector equity analyst

Large securities loss hits GAAP results, but capital and funding remain strong.

Bank of Marin Bancorp highlights a major balance sheet repositioning in Q4 2025. It sold $593.2 million of legacy held-to-maturity securities at a $69.5 million pre-tax loss, driving a quarterly GAAP net loss of $39.5 million and a full-year GAAP loss of $35.7 million.

Management emphasizes underlying earnings and asset quality. On a non-GAAP basis, comparable pre-tax, pre-provision income was $12.6 million in Q4 and $36.3 million for 2025, with comparable net income of $26.5 million for the year. Non-accrual loans fell to 1.51% of total loans and net charge-offs remained negligible.

Capital and liquidity metrics are robust after issuing $45 million of subordinated notes at 6.75%. Total risk-based capital is 16.13%, tangible common equity to tangible assets is 8.35%, and available liquidity totals $2.148 billion as of December 31, 2025. Actual long-term impact depends on how successfully the higher-yielding securities and loan growth translate into sustained earnings in future periods.

0001403475FALSE00014034752026-02-242026-02-24

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C.  20549 

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of

the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported) February 24, 2026

Bank of Marin Bancorp

(Exact name of Registrant as specified in its charter)

California			001-33572			20-8859754
(State or other jurisdiction of incorporation)			(Commission File Number)			(IRS Employer Identification No.)

504 Redwood Blvd., Suite 100, Novato, CA			94947
(Address of principal executive office)			(Zip Code)

Registrant’s telephone number, including area code:  (415) 763-4520

Not Applicable

(Former name or former address, if changes since last report)

Check the appropriate box below if the Form 8-K filing is to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c)) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to 12(b) of the Act:
Title of each class			Trading Symbol			Name of each exchange on which registered
Common stock, no par value			BMRC			The Nasdaq Stock Market

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.   ☐ 

Section 7 - Regulation FD

Item 7.01     Regulation FD Disclosure

Bank of Marin Bancorp (Nasdaq BMRC), parent company of Bank of Marin, announced that President and Chief Executive Officer Tim Myers, and Executive Vice President and Chief Financial Officer David Bonaccorso will participate in the Piper Sandler Western Bank Forum February 25-26, 2026.

A copy of the presentation will be available on Bank of Marin's website at http://www.bankofmarin.com under “Investor Relations/News & Market Data/Presentations” on February 24, 2026. Refer to the Piper Sandler Western Bank Forum.

The presentation is furnished as Exhibit 99.1 and incorporated herein by reference.

Section 9 - Financial Statements and Exhibits

Item 9.01    Financial Statements and Exhibits

(d)    Exhibits.

Exhibit No.			Description
99.1			Piper Sandler Western Bank Forum
104			Cover Page Interactive Data File (formatted as inline XBRL and contained in Exhibit 101)

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Date:

2/24/2026

BANK OF MARIN BANCORP

By:

/s/ David Bonaccorso

David Bonaccorso

Executive Vice President

and Chief Financial Officer

Piper Sandler Western Bank Forum F e b r u a r y 2 5 - 2 6 , 2 0 2 6

2 Text 95,96,96 Light Gray 232, 232, 232 Black 0, 0, 0 White 255, 255, 255 Accent 1 7,89,52 Accent 2 248,153,40 Accent 3 254,217,129 Accent 4 52,153,70 Accent 5 5,39,67 Accent 6 171,184,195 Forward-Looking Statements This discussion of financial results includes forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, (the "1933 Act") and Section 21E of the Securities Exchange Act of 1934, as amended, (the "1934 Act"). Those sections of the 1933 Act and 1934 Act provide a "safe harbor" for forward-looking statements to encourage companies to provide prospective information about their financial performance so long as they provide meaningful, cautionary statements identifying important factors that could cause actual results to differ significantly from projected results. Our forward-looking statements include descriptions of plans or objectives of management for future operations, products or services, and forecasts of revenues, earnings or other measures of economic performance. Forward-looking statements can be identified by the fact that they do not relate strictly to historical or current facts. They often include the words "believe," "expect," "intend," "estimate" or words of similar meaning, or future or conditional verbs preceded by "will," "would," "should," "could" or "may." Forward-looking statements are based on management's current expectations regarding economic, legislative, and regulatory issues that may affect our earnings in future periods. Factors that could cause future results to vary materially from current management expectations include, but are not limited to, the preliminary nature of certain adjustments to prior financial statements disclosed in an 8-K filed by the Company on February 24, 2026 and included in this presentation, general economic conditions and the economic uncertainty in the United States and abroad, including economic or other disruptions to financial markets caused by the Trump administration's approach to tariffs and trade, acts of terrorism, war, impacts from inflation, supply chain disruptions, changes in interest rates (including the actions taken by the Federal Reserve to control inflation), California's unemployment rate, deposit flows, real estate values, and expected future cash flows on loans and securities; the impact of adverse developments at other banks, including bank failures, that impact general sentiment regarding the stability and liquidity of banks; costs or effects of acquisitions; competition; changes in accounting principles, policies or guidelines; changes in legislation or regulation; natural disasters (such as wildfires and earthquakes in our area); adverse weather conditions; interruptions of utility service in our markets for sustained periods; and other economic, competitive, governmental, regulatory and technological factors (including external fraud and cybersecurity threats) affecting our operations, pricing, products and services; and successful integration of acquisitions. These and other important factors detailed in various securities law filings made periodically by Bancorp, copies of which are available from us at no charge. Forward-looking statements speak only as of the date they are made. Bancorp undertakes no obligation to release publicly the result of any revisions to these forward-looking statements that may be made to reflect events or circumstances that occur after the date of this press release or to reflect the occurrence of unanticipated events. GAAP to Non-GAAP Financial Measures This presentation includes some non-GAAP financial measures as shown in the Appendix of this presentation.

S E C T I O N Text 95,96,96 Light Gray 232, 232, 232 Black 0, 0, 0 White 255, 255, 255 Accent 1 7,89,52 Accent 2 248,153,40 Accent 3 254,217,129 Accent 4 52,153,70 Accent 5 5,39,67 Accent 6 171,184,195 Franchise Highl ights 01

4 Text 95,96,96 Light Gray 232, 232, 232 Black 0, 0, 0 White 255, 255, 255 Accent 1 7,89,52 Accent 2 248,153,40 Accent 3 254,217,129 Accent 4 52,153,70 Accent 5 5,39,67 Accent 6 171,184,195 Bank of Marin Bancorp Novato, CA Headquarters BMRC NASDAQ $418.8 Million Market Cap $3.9 Billion Total Assets 3.84% Dividend Yield 16.13% Total Bancorp RBC BMRC AT A GLANCE O P T I O N 2 Data as of 12/31/25 Relationship Banking Build strong, long-term customer relationships based on trust, integrity and expertise, inspiring loyalty though exceptional service. Disciplined Fundamentals Apply a disciplined business approach with sound banking practices, high quality products, and consistent fundamentals ensuring continued strong results. Community Commitment Give back to the communities that we serve through active employee volunteerism, nonprofit board leadership and financial contributions. 27 Branch Locations 8 Commercial Banking Offices

5 Text 95,96,96 Light Gray 232, 232, 232 Black 0, 0, 0 White 255, 255, 255 Accent 1 7,89,52 Accent 2 248,153,40 Accent 3 254,217,129 Accent 4 52,153,70 Accent 5 5,39,67 Accent 6 171,184,195 Bob Gotelli EVP, Human Resources Director • 31 years of human resources experience • Joined Bank of Marin in 2000 David Bloom EVP, Head of Commercial Banking • 30 years of commercial banking experience • Joined Bank of Marin in 2023 Tim Myers President and Chief Executive Officer • 27 years of finance and banking experience • Joined Bank of Marin in 2007 Brandi Campbell EVP, Head of Retail Banking • 37 years of banking experience • Joined Bank of Marin in 2019 Sathis Arasadi EVP, Chief Information Officer • 32 years of engineering, technology, and fintech experience • Joined Bank of Marin in 2023 Dave Bonaccorso EVP, Chief Financial Officer • 30 years of financial services experience • Joined Bank of Marin in 2023 Misako Stewart EVP, Chief Credit Officer • 34 years of banking experience • Joined Bank of Marin in 2013 221 Years of Combined Experience Through Various Economic Cycles

6 Text 95,96,96 Light Gray 232, 232, 232 Black 0, 0, 0 White 255, 255, 255 Accent 1 7,89,52 Accent 2 248,153,40 Accent 3 254,217,129 Accent 4 52,153,70 Accent 5 5,39,67 Accent 6 171,184,195 A strategic and disciplined approach to delivering long-term value 01 02 03 04 Grow NON-INTEREST INCOME Scale through EFFICIENCY GAINS and ACQUISITIONS Invest in TALENT and TECHNOLOGY Drive high-quality LOAN GROWTH

7 Text 95,96,96 Light Gray 232, 232, 232 Black 0, 0, 0 White 255, 255, 255 Accent 1 7,89,52 Accent 2 248,153,40 Accent 3 254,217,129 Accent 4 52,153,70 Accent 5 5,39,67 Accent 6 171,184,195 Fourth Quarter 2025 Overview (as adjusted1) 1 Please refer to the Form 8-K filed February 24, 2026 regarding adjustments to data disclosed on January 26, 2026 2 See Reconciliation of Non-GAAP Financial Measures in the Appendix Highlights • Newly funded loans were $106.5MM in Q4 (highest since Q4 2015) compared to $69.0MM in Q3; loans increased 5.84% annualized • Non-accrual and classified loans to total loans at year-to-date low for 2025 • Received BBB+ deposit rating (Bank) and BBB- subordinated debt rating (Bancorp) from Kroll Bond Rating Agency ("KBRA") • Completed repositioning of HTM securities portfolio (see complete details in release): a) sold $593.2MM of legacy HTM securities (pre-tax loss $69.5MM) b) redeployed proceeds into securities at 4.26% c) replenished capital ratios through issuance of $45MM subordinated debt at 6.75% • Tax-equivalent net interest margin was 3.18%1 compared to 2.97%1 in the prior quarter, driven by the repositioning of securities in mid-Q4; the month of December tax-equivalent net interest margin was 3.27% • Deposits increased 3.90% annualized; cost of deposits was 1.35%1 Key Operating Trends • 31% improvement in sequential quarter pre-tax pre-provision net income on a non-GAAP basis2 • Tax-equivalent yield on interest-earning assets increased 18bps in Q4 over Q3 to 4.45% mainly due to higher yields on investment securities, loan growth and recovered non-accrual interest • Spot rate on deposits at 12/31/25 of 1.35%1 (interest-bearing 2.13%1) declined from the 9/30/25 spot rate of 1.39%1 (interest-bearing 2.22%1) • Book value per share was $24.51 and tangible book value per share2 was $19.87 Capital • Bancorp total risk-based capital remained strong at 16.13% • Bancorp TCE / TA of 8.35% at 12/31/25 Deposits and Liquidity • Non-interest bearing deposits was strong at 36.7%1 of total deposits • Adjusted cycle-to-date non-maturity interest-bearing deposit beta of 25%1 as of 12/31/25 • Immediately available net funding of $2.148B Credit Quality • Allowance for credit loss provision of $300M in Q4, primarily due to loan growth and a modest deterioration in the economic forecast • Provision for unfunded commitments of $185M due to growth in commitments, largely associated with new relationships • Non-accrual loans decreased to 1.51% of total loans from 1.57% in the prior quarter • Classified loans decreased to 2.36% of total loans in Q4 from 2.95% in Q3 mainly due to upgrades of two commercial loans and one commercial real estate loan totaling $12.8MM and payoffs totaling $4.4MM.

8 Text 95,96,96 Light Gray 232, 232, 232 Black 0, 0, 0 White 255, 255, 255 Accent 1 7,89,52 Accent 2 248,153,40 Accent 3 254,217,129 Accent 4 52,153,70 Accent 5 5,39,67 Accent 6 171,184,195 Focused on Building Long-Term Shareholder Value Strong Core Deposit Franchise Largest community bank in Marin County with 11.4% market share 1 36.7%2 non-interest bearing deposits with a 1.35%2 cost of deposits in Q4 Improving Margin Outlook ▪ investment securities restructuring ▪ improved loan growth and continued repricing of the portfolio ▪ reduced deposit costs continued in Q4 Seasoned Risk Management Classified loans as a percentage of loans decreased 85bps quarter over quarter Non-accrual loans as a percentage of loans decreased 24bps quarter over quarter Low NOO CRE office exposure in the City of San Francisco at 3% of total loans (4% of total NOO-CRE) and a weighted average 64% LTV Prudent Loan Growth Markets with proven track record of organic growth Organic originations increased by 54% in Q4 Key opportunistic relationship banking talent acquisitions 62% loan-to-deposit ratio provides runway for additional growth Robust Capital Levels & Liquidity Regulatory capital ratios remain comfortably above “well-capitalized” thresholds $2.1 billion in available liquidity 1Source: S&P Global Market Intelligence - FDIC deposit market share data as of June 30, 2025 2 Please refer to the Form 8-K filed February 24, 2026 regarding adjustments to data disclosed on January 26, 2026

9 Text 95,96,96 Light Gray 232, 232, 232 Black 0, 0, 0 White 255, 255, 255 Accent 1 7,89,52 Accent 2 248,153,40 Accent 3 254,217,129 Accent 4 52,153,70 Accent 5 5,39,67 Accent 6 171,184,195 Focused on delivering Long-Term, Consistent Growth ▪ Proven ability to grow both organically and through M&A ▪ Consistent cash dividend provides stable and reliable return for shareholders Note: Tangible book value per share (TBVPS) equals total shareholders’ equity, less intangible assets including goodwill and core deposit intangibles, divided by outstanding common shares at period end. Accumulated other comprehensive income (AOCI) represents the unrealized gains (losses) on available-for-sale securities, net of tax. Components of these calculations were derived from our financial reports filed with the SEC for each respective period. Additional information for December 31, 2025 can be found in the Reconciliation of Non-GAAP Financial Measures in the Appendix. Tangible Book Value Per Share and Cumulative Cash Dividends $0.77 $1.22 $1.73 $2.29 $2.92 $3.72 $4.64 $5.58 $6.56 $7.56 $8.56 $9.56 $15.89 $16.87 $18.35 $18.99 $20.57 $21.91 $23.09 $23.42 $25.45 $25.72 $24.24 $21.02 Cumulative Cash Dividends TBVPS TBVPS (Excl AOCI) 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 $— $5.00 $10.00 $15.00 $20.00 $25.00 $30.00

10 Text 95,96,96 Light Gray 232, 232, 232 Black 0, 0, 0 White 255, 255, 255 Accent 1 7,89,52 Accent 2 248,153,40 Accent 3 254,217,129 Accent 4 52,153,70 Accent 5 5,39,67 Accent 6 171,184,195 Robust Capital Ratios As of 12/31/25 • We maintained high capital levels and are in a position of strength • Total risk-based capital of 16.1% • Tangible common equity ratio of 15.1% • During 4Q'25 we issued $45 million of subordinated notes to replenish capital ratios that were impacted by the securities losses incurred as a result of the repositioning of our balance sheet * See Reconciliation of Non-GAAP Financial Measures in the Appendix. 6.5% 8.0% 10.0% 5.0% 12.7% 12.7% 13.9% 8.5% 8.6% 12.3% 12.3% 15.3% 8.3% 8.4% Well Capitalized Threshold Bank of Marin Bank of Marin Bancorp Common Equity Tier- One Risk-Based Capital Total Tier-One Risk- Based Capital Total Risk-Based Capital Tier-One Leverage Tangible Common Equity

Text 95,96,96 Light Gray 232, 232, 232 Black 0, 0, 0 White 255, 255, 255 Accent 1 7,89,52 Accent 2 248,153,40 Accent 3 254,217,129 Accent 4 52,153,70 Accent 5 5,39,67 Accent 6 171,184,195 S E C T I O N Balance Sheet Highl ights 02

12 Text 95,96,96 Light Gray 232, 232, 232 Black 0, 0, 0 White 255, 255, 255 Accent 1 7,89,52 Accent 2 248,153,40 Accent 3 254,217,129 Accent 4 52,153,70 Accent 5 5,39,67 Accent 6 171,184,195 Strong Deposit Franchise • Deposit mix continues to favor a high percentage of non-interest bearing deposits totaling 36.7%1, highlighting our relationship banking model • Total cost of deposits was 1.35%1 (interest-bearing 2.24%1) for 4Q'25 and 1.41%1 (interest-bearing 2.261) for the prior quarter • Spot rate was 1.35%1 (interest-bearing 2.16%1) as of December 31, 2025, compared to 1.39%1 (interest-bearing 2.22%1) as of September 30, 2025 • The Bank continued strategic pricing adjustments with limited rate related outflows • KBRA assigned a BBB+ rating for Bank of Marin deposits Total Deposit Mix at 4Q'25Total Deposits ($ in millions) $2,504 $3,808 $3,574 $3,290 $3,220 $3,416 $1,538 $2,201 $2,127 $1,667 $1,598 $1,672 $869 $1,457 $1,328 $1,372 $1,379 $1,538$97 $150 $119 $251 $243 $206 Transaction Savings & MMDA Time 2020 2021 2022 2023 2024 2025 Non-Interest Bearing 36.7% IB DDA 12.2% Savings 6.8% Money Market 38.2% Time 6.0% $3.42B 1 Please refer to the Form 8-K filed February 24, 2026 regarding adjustments to data disclosed on January 26, 2026

13 Text 95,96,96 Light Gray 232, 232, 232 Black 0, 0, 0 White 255, 255, 255 Accent 1 7,89,52 Accent 2 248,153,40 Accent 3 254,217,129 Accent 4 52,153,70 Accent 5 5,39,67 Accent 6 171,184,195 • 45% of new accounts consisted of new relationships to the Bank by count • 64%1 of new accounts were non-interest bearing by count • Average weighted cost for all new interest bearing accounts at 2.67%1 (new funds) and 1.90% (new relationships) • Reciprocal deposit network program (expanded FDIC insurance products) utilization increased by $11.9 million New Accounts Mix (by count) 4Q'25Granular Deposit Account Composition Existing Relationships - New $ 19% Account Migration 36% New Relationships 45% 989 (in thousands; except for # of Accounts) Interest Bearing Non-Interest Bearing Total Consumer Account Balances $ 955,993 $ 331,557 $ 1,287,550 # of Accounts 14,527 17,389 31,916 Avg Balance Per Account $ 66 $ 19 $ 40 Business Account Balances $ 1,203,666 $ 911,404 $ 2,115,070 # of Accounts 3,959 11,013 14,972 Avg Balance Per Account $ 304 $ 83 $ 141 *Excludes internal operating accounts such as holding company cash and deposit settlement accounts totaling $12.9 million Deposit Accounts Mix - Consumer vs Business 4Q'251 1 Please refer to the Form 8-K filed February 24, 2026 regarding adjustments to data disclosed on January 26, 2026

14 Text 95,96,96 Light Gray 232, 232, 232 Black 0, 0, 0 White 255, 255, 255 Accent 1 7,89,52 Accent 2 248,153,40 Accent 3 254,217,129 Accent 4 52,153,70 Accent 5 5,39,67 Accent 6 171,184,195 Strong Liquidity: $2.1 Billion in Net Availability • The Bank has long-established minimum liquidity requirements regularly monitored using metrics and tools similar to larger banks, such as the liquidity coverage ratio and multi-scenario, long-horizon stress tests • Deposit outflow assumptions for liquidity monitoring and stress testing are conservative relative to actual experience At December 31, 2025 ($ in millions) Total Available Amount Used Net Availability Internal Sources Unrestricted Cash 1 $ 206.6 N/A $ 206.6 Unencumbered Securities 489.6 N/A 489.6 External Sources FHLB line of credit 967.2 — 967.2 FRB line of credit 344.7 — 344.7 Lines of credit at correspondent banks 140.0 — 140.0 Total Liquidity $ 2,148.1 $ — $ 2,148.1 1 Excludes cash items in transit Note: Off-balance sheet one-way sell deposits totaling $51.2 million available through third-party networks are not included above.

15 Text 95,96,96 Light Gray 232, 232, 232 Black 0, 0, 0 White 255, 255, 255 Accent 1 7,89,52 Accent 2 248,153,40 Accent 3 254,217,129 Accent 4 52,153,70 Accent 5 5,39,67 Accent 6 171,184,195 • Loan originations peaked in Q4 with $106.5 million funded (highest quarter since 2015 excluding PPP loans) • Notable pipeline growth and diversification from key hires, compensation program enhancements, and calling programs • Sound underwriting produces a high- quality loan portfolio with low credit costs and stable earnings through cycles • Extending credit and serving the needs of existing clients while ensuring new opportunities present the appropriate levels of risk and return Prudent, Sustainable Model for Loan Growth $2.089 $2.256 $2.093 $2.074 $2.083 $2.121 4.15% 4.23% 4.29% 4.65% 4.83% 4.99% Non-PPP Loans SBA PPP Loans Average Annual TE Yield on Loans 2020 2021 2022 2023 2024 2025 Total Loans ($ in billions) 1Includes American River Bank loans acquired in 3Q21 1

16 Text 95,96,96 Light Gray 232, 232, 232 Black 0, 0, 0 White 255, 255, 255 Accent 1 7,89,52 Accent 2 248,153,40 Accent 3 254,217,129 Accent 4 52,153,70 Accent 5 5,39,67 Accent 6 171,184,195 Well-diversified Loan Portfolio As of 12/31/25 - No material changes from 3Q'25 • Loan portfolio is well-diversified across borrowers, industries, loan and property types within our geographic footprint • 88% of all loans and 93% of loans excluding nonprofit organizations are guaranteed by owners of the borrowing entities • Non-owner occupied commercial real estate is well-diversified by property type with 89% of loans (90% of loans excluding nonprofit organizations) being guaranteed by owners of the borrowing entities • Since 2001, net charge-offs for all NOO CRE and OO CRE totals $2.4 million • Construction loans represent a small portion of the overall portfolio OO-CRE 15% C&I 8% Consumer 13% Construction 1% NOO-CRE 63% 4Q'25 Total Loans $2.1B Office 27% Mixed Use 7% Retail 18% Warehouse & Industrial 13% Multi-Family 18% Other 17% 4Q'25 Total NOO-CRE Loans $1.4B

17 Text 95,96,96 Light Gray 232, 232, 232 Black 0, 0, 0 White 255, 255, 255 Accent 1 7,89,52 Accent 2 248,153,40 Accent 3 254,217,129 Accent 4 52,153,70 Accent 5 5,39,67 Accent 6 171,184,195 Low Refinance Risk in NOO CRE Portfolio through 2027 • We conducted a DEEP DIVE on loans maturing or repricing before year-end 2027 * • PORTFOLIO IS WELL-POSITIONED TO ABSORB A HIGHER RATE ENVIRONMENT AT MATURITY OR REPRICING DATE • Wtd. Avg. DSC Assumptions for Maturing Loans: Current Treasury Constant Maturity rate + spread of 3.00%, fully drawn commercial real estate lines of credit, 25-year amortization • Wtd. Avg. DSC Assumptions for Repricing Loans: Current market interest rate + contractual spread, fully drawn commercial real estate lines of credit, remaining amortization on each loan Maturing Loan Commitments > $1.0MM # of loans Commitment Outstanding Balance Wtd. Avg. Rate Wtd. Avg. DSC 2026 30 $104.5MM $97.5MM 4.82% 1.25x 2027 23 $70.4MM $68.4MM 4.57% 1.35x TOTAL 53 $174.9MM $165.9MM Repricing Loan Commitments > $1.0MM # of loans Commitment Outstanding Balance Wtd. Avg. Rate Wtd. Avg. DSC 2026 24 $55.7MM $55.7MM 3.99% 1.51x 2027 16 $40.8MM $40.8MM 3.75% 1.44x TOTAL 40 $96.5MM $96.5MM *Commitments, outstanding balances and weighted average rates as of 12/31/25

18 Text 95,96,96 Light Gray 232, 232, 232 Black 0, 0, 0 White 255, 255, 255 Accent 1 7,89,52 Accent 2 248,153,40 Accent 3 254,217,129 Accent 4 52,153,70 Accent 5 5,39,67 Accent 6 171,184,195 • $371 million in credit exposure spread across our lending footprint comprised of 150 loans • $2.5 million average loan balance – largest loan at $15.5 million • 61% weighted average loan-to-value and 1.65x weighted average debt-service coverage ratio* • City of San Francisco NOO CRE office exposure is 3% of total loan portfolio and 4% of total NOO CRE loans NOO CRE Office Portfolio by County * Calculated for loans exceeding $1 million, based on the most recent annual review process, and net of individual reserves Non-owner Occupied Office Exposure As of 12/31/25 - No material changes from 3Q'25 San Francisco 16% Alameda 8% Sacramento 5% Napa 8% Other Bay Area 18%Other 4% Marin 24% Sonoma 17% $371MM City of S.F. NOO CRE Office Portfolio Total Balance: $58.6 million Average Loan Bal: $4.9 million Number of Loans: 12 loans Wtd. Average LTV*: 64% Wtd. Average DCR: 1.39x Average Occupancy: 82% 11 of the 12 loans are secured by low rise buildings and one loan is secured by a 10 story building

19 Text 95,96,96 Light Gray 232, 232, 232 Black 0, 0, 0 White 255, 255, 255 Accent 1 7,89,52 Accent 2 248,153,40 Accent 3 254,217,129 Accent 4 52,153,70 Accent 5 5,39,67 Accent 6 171,184,195 *Calculated for loans exceeding $1 million, based on the most recent annual review process Note: Sacramento includes surrounding regional counties NOO CRE Portfolio Diversified Across Property Type & County As of 12/31/25 - No material changes from 3Q'25 Average Balance: $1.8MM Largest Balance: $13.4MM Total # of Loans: 141 Wtd. Avg. LTV*: 60% Average Balance: $2.1MM Largest Balance: $14.2MM Total # of Loans: 87 Wtd. Avg. LTV*: 48% Average Balance: $1.9MM Largest Balance: $21.1MM Total # of Loans: 125 Wtd. Avg. LTV*: 62% San Francisco 3% Alameda 6% Sacramento 20% Napa 16% Other Bay Area 17% Other 6% Marin 16% Sonoma 16% San Francisco 9%Alameda 14% Sacramento 26% Napa 7% Other Bay Area 7% Other 4% Marin 8% Sonoma 25% San Francisco 19% Alameda 22% Sacramento 17% Napa 5% Other Bay Area 4% Other 8% Marin 9% Sonoma 16% Retail 4Q'25 Warehouse & Industrial 4Q'25 Multifamily 4Q'25 $251MM $180MM $240MM

20 Text 95,96,96 Light Gray 232, 232, 232 Black 0, 0, 0 White 255, 255, 255 Accent 1 7,89,52 Accent 2 248,153,40 Accent 3 254,217,129 Accent 4 52,153,70 Accent 5 5,39,67 Accent 6 171,184,195 ($ in millions at Fair Value) * Loan-to-value largely based on appraised values at origination, or updated appraisals for certain classified loans, and balances as of 12/31/25 Owner-Occupied CRE Portfolio As of 12/31/25 - No material changes from 3Q'25 Retail 7% School 14% 1-4 Residential 2% Wine 10% Church 5% Gas/Auto 9% Health Club 3% Mixed Use 3% Other 4% Office 19% Industrial 24% Napa 17% Sacramento 21% San Francisco 5% Sonoma 8% Other 14% Alameda 14% Marin 21% OO CRE by County 4Q'25 Average Balance: $1.1MM Largest Loan: $14.4MM Wtd. Avg. LTV*: 46% Total Balance: $311.1MM Total Loans: 278 OO CRE by Type 4Q'25 $311MM $311MM Napa 20% Sacramento 23% San Francisco 19% Sonoma 7% Other 3% Alameda 6% Marin 22% Average Balance: $0.7MM Largest Loan: $7.0MM Wtd. Avg. LTV*: 55% Total Balance: $58.7MM Total Loans: 82 OO CRE Office Portfolio by County 4Q'25 $59MM

21 Text 95,96,96 Light Gray 232, 232, 232 Black 0, 0, 0 White 255, 255, 255 Accent 1 7,89,52 Accent 2 248,153,40 Accent 3 254,217,129 Accent 4 52,153,70 Accent 5 5,39,67 Accent 6 171,184,195 ($ in millions at Fair Value) * Loan-to-value largely based on appraised values at origination, or updated appraisals for certain high dollar loans. and balances as of 12/31/25 Figures exclude two loans totaling $1.0 million that, for purposes of LTV, were moved to OO CRE Construction Portfolio Concentrations As of 12/31/25 Construction by Type 4Q'25 Construction by County 4Q'25 Multi-Family 21% 1-4 Residential 79% San Francisco 42% Napa 36% Other Bay Area 1% Marin 21% Average Balance: $2.0MM Largest Loan: $3.0MM Wtd. Avg. LTV*: 57% Total Balance: $14.1MM Unfunded Commitments: $11.8MM Total Loans: 7 $14M $14MM

22 Text 95,96,96 Light Gray 232, 232, 232 Black 0, 0, 0 White 255, 255, 255 Accent 1 7,89,52 Accent 2 248,153,40 Accent 3 254,217,129 Accent 4 52,153,70 Accent 5 5,39,67 Accent 6 171,184,195 1 Taxable equivalent 2 Related tax benefit calculated using blended statutory rate of 29.5636% High-Quality Securities Portfolio Generates Cash Flow Data as of 12/31/25 AFS Securities Portfolio Agency MBS 44% Agency CMO (Fixed) 13% Agency CMO (Variable) 3%Agency CMBS (Fixed) 23% Agency CMBS (Variable) 11% Debentures of government agencies 2% Municipal Bonds 4% ($ in millions at Fair Value) $1.328B Average Yield1 — 4.13% Approx. Effective Duration — 2.95 Unrealized Losses, net (pre tax) — $26.1 million Unrealized Losses, net (after tax2) — $18.4 million TCE Bancorp — 8.4%

Text 95,96,96 Light Gray 232, 232, 232 Black 0, 0, 0 White 255, 255, 255 Accent 1 7,89,52 Accent 2 248,153,40 Accent 3 254,217,129 Accent 4 52,153,70 Accent 5 5,39,67 Accent 6 171,184,195 S E C T I O N Income Statement Highl ights 03

24 Text 95,96,96 Light Gray 232, 232, 232 Black 0, 0, 0 White 255, 255, 255 Accent 1 7,89,52 Accent 2 248,153,40 Accent 3 254,217,129 Accent 4 52,153,70 Accent 5 5,39,67 Accent 6 171,184,195 • Linked-quarter NIM increased 21bps1 due primarily to higher securities yields and higher interest earning assets, largely due to the effects of the 4Q'25 securities repositioning • The month of December tax-equivalent net interest margin was 3.27% • The Bank continues making strategic pricing adjustments resulting in a cost of deposits of 1.35%1 in Q4 • Adjusted cycle-to-date non-maturity interest-bearing deposit beta of 25%1 as of 12/31/25 Net Interest Margin Drivers 2.97% 0.02% 0.20% (0.03)% 0.06% (0.04)% 3.18% 3Q'25 Loans Securities Cash Deposits Sub- ordinated notes 4Q'25 Net Interest Margin Linked-Quarter Change1 2.45% 2.56% 2.61% 2.42% 2.27% 2.26% 2.26% 2.16% 5.50% 5.50% 5.43% 4.82% 4.50% 4.50% 4.46% 4.02% IB Deposits Fed Funds 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 Avg. Quarterly Cost of IB Deposits1 vs. Fed Funds 1 Please refer to the Form 8-K filed February 24, 2026 regarding adjustments to data disclosed on January 26, 2026

25 Text 95,96,96 Light Gray 232, 232, 232 Black 0, 0, 0 White 255, 255, 255 Accent 1 7,89,52 Accent 2 248,153,40 Accent 3 254,217,129 Accent 4 52,153,70 Accent 5 5,39,67 Accent 6 171,184,195 Loans & Securities — Repricing & Maturity $ in millions, unless otherwise indicated Total Loans1 * at 12/31/2025 Repricing Term Rate Structure 3 mo or less 3-12 mos 1-3 years 3-5 years 5-15 years Over 15 years Total Floating Rate Variable Rate Floating & Variable Rate at Floor Floating & Variable Rate at Ceiling Fixed Rate C&I $56.0 $18.3 $29.0 $31.0 $24.5 $1.1 $159.9 $45.4 $1.8 $26.6 $0.0 $86.1 Real estate: Owner-occupied CRE $12.8 $12.5 $49.9 $63.4 $164.9 $6.7 $310.2 $0.0 $37.9 $90.2 $0.0 $182.1 Non-owner occupied CRE $46.3 $75.4 $262.8 $452.2 $525.1 $4.5 $1,366.3 $5.1 $151.3 $343.5 $0.0 $866.4 Construction $12.6 $2.5 $0.0 $0.0 $0.0 $0.0 $15.1 $5.9 $0.0 $2.6 $0.0 $6.6 Home equity $98.8 $0.0 $0.0 $0.0 $0.4 $0.0 $99.2 $98.8 $0.0 $0.0 $0.0 $0.4 Other residential $0.6 $10.6 $1.0 $0.3 $0.9 $97.2 $110.6 $0.0 $12.4 $85.4 $0.0 $12.8 Installment & other consumer $1.8 $1.8 $6.4 $2.7 $46.7 $0.1 $59.5 $1.1 $7.7 $9.1 $0.0 $41.6 Total $228.9 $121.1 $349.1 $549.6 $762.5 $109.6 $2,120.9 $156.3 $211.1 $557.4 $0.0 $1,196.0 % of Total 11 % 6 % 16 % 26 % 36 % 5 % 100 % 7 % 10 % 26 % — % 56 % Weighted Average Rate 7.08 % 4.89 % 5.04 % 5.09 % 4.59 % 4.55 % 5.11 % 1 Amounts represent amortized cost. Based on maturity date for fixed rate loans and variable rate loans at their floors and ceilings and next repricing date for all other variable rate loans. Does not include prepayment assumptions. Investment Securities2 * at 12/31/2025 2 With prepayment assumptions applied Projected Cash Flow Distribution 3 mo or less 3-12 mos 1-3 years 3-5 years 5-10 years Over 10 years Total Principal (par) & interest $71.0 $210.0 $449.0 $418.0 $299.0 $121.0 $1,568.0 % of Total 4 % 13 % 29 % 27 % 19 % 8 % 100 %

26 Text 95,96,96 Light Gray 232, 232, 232 Black 0, 0, 0 White 255, 255, 255 Accent 1 7,89,52 Accent 2 248,153,40 Accent 3 254,217,129 Accent 4 52,153,70 Accent 5 5,39,67 Accent 6 171,184,195 Consistent and diverse sources of non-interest income bolster revenue through cycles Investment in our people, branches and technology provide a runway for future growth Non-interest Income1 ($ in millions) Non-interest Expense ($ in millions)2 1See Reconciliation of GAAP to Non-GAAP Financial Measures (Excluding Loss on Sale of Securities), included in the Appendix of this document 1 Sources of NII $8.6 $10.1 $10.9 $5.0 $11.2 $11.6 0.30% 0.29% 0.25% 0.12% 0.30% 0.30% Non-interest income Non-interest income/avg. assets 2020 2021 2022 2023 2024 2025 $58.5 $72.6 $75.3 $77.1 $78.7 $81.3 55.6% 63.1% 54.4% 73.2% 112.1% 276.7% 76.7% 69.2% Non-interest expense Efficiency ratio *Non-GAAP excl sec sale loss 2020 2021 2022 2023 2024 2025 Salaries & benefits 58% Occupancy & equipment 10% Data processing 5% Professional services 5% FDIC Ins 2% Other 18% Total Non-Interest Components Wealth mgmt & trust 20% Service charges 19% BOLI 18% Interchange fees 17% FHLB dividends 13% Other 13% 1 1 2 Please refer to the Form 8-K filed February 24, 2026 regarding adjustments to data disclosed on January 26, 2026

Text 95,96,96 Light Gray 232, 232, 232 Black 0, 0, 0 White 255, 255, 255 Accent 1 7,89,52 Accent 2 248,153,40 Accent 3 254,217,129 Accent 4 52,153,70 Accent 5 5,39,67 Accent 6 171,184,195 S E C T I O N 04 Capita l & Asset Qual i ty

28 Text 95,96,96 Light Gray 232, 232, 232 Black 0, 0, 0 White 255, 255, 255 Accent 1 7,89,52 Accent 2 248,153,40 Accent 3 254,217,129 Accent 4 52,153,70 Accent 5 5,39,67 Accent 6 171,184,195 ($ in millions at Fair Value) History of Strong Asset Quality • Allowance for credit losses to total loans of 1.43% down slightly from the prior quarter • Consistent, robust credit culture and underwriting principles support strong asset quality • Net charge-offs have consistently been negligible for the last five years due to strong underwriting fundamentals, except that in 4Q'23 and 1Q'25 charge-offs included $406 and $809 thousand charged to the allowance due to the sales of acquired loans Non-accrual Loans / Total Loans Quarterly Progression 1.63% 1.59% 1.57% 1.51% 1.27% 4Q24 1Q25 2Q25 3Q25 4Q25 Net Charge-Offs (Recoveries) as % of Average Loans 0.00% 0.00% 0.02% 0.00% 0.00% 2021 2022 2023 2024 Q4 25 0.00% 0.25% 0.50% 0.75% 1.00%

29 Text 95,96,96 Light Gray 232, 232, 232 Black 0, 0, 0 White 255, 255, 255 Accent 1 7,89,52 Accent 2 248,153,40 Accent 3 254,217,129 Accent 4 52,153,70 Accent 5 5,39,67 Accent 6 171,184,195 AOCI and Tangible Equity M ill io ns $407.9 $414.6 $416.2 $418.4 $415.5 $415.5 $390.2 $387.7 $390.0 $391.7 $377.8 $381.4 $338.4 $334.2 $352.6 $346.8 $341.8 $362.5 $360.4 $358.9 $361.2 $359.9 $364.2 $363.4 $369.0 $320.0 $73.7 $62.0 $69.4 $76.6 $53.0 $55.1 $31.3 $26.5 $30.1 $27.5 $14.4 $12.4 $18.4 42.8% 42.5% 42.0% 39.5% 38.8% 38.5% 33.1% 31.3% 34.2% 32.8% 32.6% 35.0% 34.0% 8.2% 8.7% 8.6% 8.6% 9.7% 9.8% 9.9% 9.7% 9.9% 9.8% 10.0% 9.7% 8.4% Tangible Equity Accumulated Other Comprehensive Loss Investments/Total Assets Tangible Equity/Tangible Assets Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 $— $100.0 $200.0 $300.0 $400.0 $500.0 —% 10.0% 20.0% 30.0% 40.0% 50.0% 60.0% 70.0% 80.0%

Text 95,96,96 Light Gray 232, 232, 232 Black 0, 0, 0 White 255, 255, 255 Accent 1 7,89,52 Accent 2 248,153,40 Accent 3 254,217,129 Accent 4 52,153,70 Accent 5 5,39,67 Accent 6 171,184,195 Appendix

31 Text 95,96,96 Light Gray 232, 232, 232 Black 0, 0, 0 White 255, 255, 255 Accent 1 7,89,52 Accent 2 248,153,40 Accent 3 254,217,129 Accent 4 52,153,70 Accent 5 5,39,67 Accent 6 171,184,195 Reconciliation of GAAP to Non-GAAP Financial Measures (Excluding Loss on Sale of Securities) (in thousands; unaudited) Three months ended Year ended Pre-tax, pre-provision net income December 31, 2025 September 30, 2025 December 31, 2025 December 31, 2024 (Loss) income before (benefit from) provision for income taxes $ (57,375) $ 9,610 $ (52,483) $ (13,835) Provision for credit losses on loans 300 — 375 5,550 Provision for (reversal of) credit losses on unfunded loan commitments 185 — 185 (233) Pre-tax, pre-provision net (loss) income (GAAP) (56,890) 9,610 (51,923) (8,518) Adjustments: Losses on sale of investment securities from portfolio repositioning 69,466 — 88,202 32,541 Comparable pre-tax, pre-provision net income (non-GAAP) $ 12,576 $ 9,610 $ 36,279 $ 24,023

32 Text 95,96,96 Light Gray 232, 232, 232 Black 0, 0, 0 White 255, 255, 255 Accent 1 7,89,52 Accent 2 248,153,40 Accent 3 254,217,129 Accent 4 52,153,70 Accent 5 5,39,67 Accent 6 171,184,195 Reconciliation of GAAP to Non-GAAP Financial Measures (Excluding Loss on Sale of Securities) (in thousands, except per share amounts; unaudited) Three months ended Year ended Net (loss) income December 31, 2025 September 30, 2025 December 31, 2025 December 31, 2024 Net (loss) income (GAAP) $ (39,541) $ 7,526 $ (35,675) $ (8,409) Adjustments: Losses on sale of investment securities from portfolio repositioning 69,466 — 88,202 32,541 Related income tax benefit1 (20,534) — (26,073) (9,619) Adjustments, net of taxes 48,932 — 62,129 22,922 Comparable net income (non-GAAP) $ 9,391 $ 7,526 $ 26,454 $ 14,513 Diluted (loss) earnings per share Weighted average diluted shares 15,898 15,934 15,942 16,042 Diluted (loss) earnings per share (GAAP) $ (2.49) $ 0.47 $ (2.24) $ (0.52) Comparable diluted earnings per share (non-GAAP) $ 0.59 $ 0.47 $ 1.66 $ 0.90 Return on average assets Average assets $ 3,926,118 $ 3,828,876 $ 3,805,821 $ 3,773,882 Return on average assets (GAAP) (4.00) % 0.78 % (0.94) % (0.22) % Comparable return on average assets (non-GAAP) 0.95 % 0.78 % 0.70 % 0.38 % Return on average equity Average stockholders' equity $ 435,660 $ 439,950 $ 435,660 $ 435,070 Return on average equity (GAAP) (36.79) % 6.79 % (8.19) % (1.93) % Comparable return on average equity (non-GAAP) 8.74 % 6.79 % 6.07 % 3.34 % Return on average tangible common equity Average goodwill and intangibles 74,789 75,017 76,031 75,115 Average tangible common equity 351,605 364,933 359,629 359,955 Return on average tangible common equity (GAAP) (44.62) % 8.18 % (9.92) % (2.34) % Comparable return on average tangible common equity (non-GAAP) 10.60 % 8.18 % 7.36 % 4.03 % Efficiency ratio Non-interest expense2 $ 20,023 $ 20,291 $ 81,310 $ 78,740 Net interest income2 29,781 27,156 106,037 91,582 Non-interest income (GAAP) (66,648) 2,745 (76,650) (21,360) Losses on sale of investment securities 69,466 — 88,202 32,541 Non-interest income (non-GAAP) $ 2,818 $ 2,745 $ 11,552 $ 11,181 Efficiency ratio (GAAP)2 (54.31) % 67.86 % 276.69 % 112.13 % Comparable efficiency ratio (non-GAAP)2 61.42 % 67.86 % 69.15 % 76.62 % 1Related income tax benefit calculated using blended statutory rate of 29.5636% 2Please refer to the Form 8-K filed February 24, 2026 regarding adjustments to data reported on January 26, 2026

33 Text 95,96,96 Light Gray 232, 232, 232 Black 0, 0, 0 White 255, 255, 255 Accent 1 7,89,52 Accent 2 248,153,40 Accent 3 254,217,129 Accent 4 52,153,70 Accent 5 5,39,67 Accent 6 171,184,195 Summary of Reclassifications and Impacts Note: Please refer to the Form 8-K filed February 24, 2026 regarding these adjustments to data disclosed on January 26, 2026

34 Text 95,96,96 Light Gray 232, 232, 232 Black 0, 0, 0 White 255, 255, 255 Accent 1 7,89,52 Accent 2 248,153,40 Accent 3 254,217,129 Accent 4 52,153,70 Accent 5 5,39,67 Accent 6 171,184,195 Summary of Reclassifications and Impacts (continued) Note: Please refer to the Form 8-K filed February 24, 2026 regarding these adjustments to data disclosed on January 26, 2026

35 Text 95,96,96 Light Gray 232, 232, 232 Black 0, 0, 0 White 255, 255, 255 Accent 1 7,89,52 Accent 2 248,153,40 Accent 3 254,217,129 Accent 4 52,153,70 Accent 5 5,39,67 Accent 6 171,184,195 Contact Us Tim Myers President and Chief Executive Officer (415) 763-4970 timmyers@bankofmarin.com Dave Bonaccorso EVP, Chief Financial Officer (415) 884-4758 davebonaccorso@bankofmarin.com Media Requests: Yahaira Garcia-Perea Marketing & Corporate Communications Manager (916) 231-6703 yahairagarcia-perea@bankofmarin.com

FAQ

What event did Bank of Marin Bancorp (BMRC) disclose in this 8-K?

Bank of Marin Bancorp disclosed its participation in the Piper Sandler Western Bank Forum. The company furnished an investor presentation as Exhibit 99.1, outlining its strategy, fourth-quarter 2025 highlights, capital and liquidity profile, and non-GAAP reconciliations for investors and analysts reviewing BMRC’s recent performance.

How did Bank of Marin Bancorp’s Q4 2025 balance sheet repositioning affect results?

Bank of Marin Bancorp sold $593.2 million of legacy held-to-maturity securities in Q4 2025. The sale generated a pre-tax loss of $69.5 million, leading to a GAAP net loss of $39.5 million for the quarter, while non-GAAP comparable net income was $9.4 million after adjusting for these losses.

What were Bank of Marin Bancorp’s key profitability metrics for 2025?

Bank of Marin Bancorp reported a 2025 GAAP net loss of $35.7 million. After excluding losses on securities repositioning and related tax effects, non-GAAP comparable net income was $26.5 million, with comparable diluted EPS of $1.66 and a comparable return on average assets of 0.70% for the year.

How strong are Bank of Marin Bancorp’s capital ratios and liquidity at year-end 2025?

Bank of Marin Bancorp’s capital and liquidity metrics are portrayed as strong. Total risk-based capital stood at 16.13%, tangible common equity to tangible assets was 8.35%, and total available liquidity, including cash, securities, and credit lines, reached $2.148 billion as of December 31, 2025.

What does the presentation show about BMRC’s deposit franchise and funding costs?

BMRC emphasizes a core, low-cost deposit base. Non-interest-bearing deposits were 36.7% of total deposits, total deposit costs were 1.35% in Q4 2025, and the bank cites an adjusted cycle-to-date non-maturity interest-bearing deposit beta of 25%, supporting net interest margin improvement during the period.

How is Bank of Marin Bancorp managing credit quality in its loan portfolio?

Credit quality metrics remain relatively strong with focused risk management. Non-accrual loans declined to 1.51% of total loans, classified loans fell to 2.36%, the allowance for credit losses was 1.43% of loans, and net charge-offs have been negligible over recent years, excluding specific acquired-loan sales.

Filing Exhibits & Attachments

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• EX-99.1 EX-99.1 58.4 KB

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• EX-101 XBRL TAXONOMY EXTENSION SCHEMA DOCUMENT 1.8 KB
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• EX-101 XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE DOCUMENT 13.8 KB