All three tenses have at least two readings, so the archetype blend applies as printed.
All nine metrics read as filed from the record.
What did they actually do?
Has it survived what it has been through?
2 warning events since 2017; the latest 2026-02-24.
From the record
Bank of Marin Bancorp's filings since 2017 show 2 warning events of 2 kinds: a warning not to rely on past financial statements (8-K item 4.02, the latest 2026-02-24); an auditor change (8-K item 4.01, the latest 2025-06-06) (its current reports).
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What has it actually done, year after year?
+8.1% a year over 10 filed years; profitable in 8 of 10.
From the record
Bank of Marin Bancorp's 10 filed years say what it did: revenue went from $75 million in fiscal 2016 to $152 million in fiscal 2025, up 8.1% a year; it rose in 8 of 9 years; the deepest fall was 1% from fiscal 2019 to fiscal 2020; net income was positive in 8 of 10 of those years (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How has it treated the people who own it?
Share count shrank 0.1% a year. 47% of cash flow returned. Insiders: 0 sales, 3 purchases.
From the record
Over the 3 fiscal years to 2025-12-31, Bank of Marin Bancorp's diluted share count shrank about 0.1% a year, and dividends and buybacks returned about 47% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 0 sales and 3 purchases of their own stock on the open market in the year to 2026-10-30, buying about $11 thousand (their Form 4 filings).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they doing right now?
Is it financially healthy right now?
ROE -9%: lost 9¢ per shareholder dollar. Leverage 90%: owes 90¢ per asset dollar.
From the record
Return on equity: in the fiscal year ended 2025-12-31, Bank of Marin Bancorp lost about 9 cents for every dollar of shareholders' money. Leverage: it owed about 90 cents per dollar of assets, and net share issuance: its share count shrank 0.6% over the year (the filed statements).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How strong is its position in its industry?
bottom 13% of 155 in its family; net margin -23.4%.
From the record
Bank of Marin Bancorp's standing among 155 graded names in its industry family: revenue of $152 million in fiscal 2025 ranks in the bottom 30% by size; a net margin of -23.4% ranks in the bottom 1%; revenue growth of 5.4% a year over the last 3 filed years ranks in the bottom 9% (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are the people in charge doing?
bottom 25% of 150 in its family for leadership; chief executive since 2021.
From the record
Bank of Marin Bancorp's leadership, from its insiders' filings and its current reports: the chief executive on the record is Myers, Timothy D (PRESIDENT & CEO, as filed), filing under that title since 2021-11-02, 5 years (bottom 30% of its family); the 17 officers and directors filing in the last fifteen months have been on the record a median of 5.6 years (bottom 29%); 9 officer or director changes were reported on Form 8-K since 2023-11-13, against the 17 people in charge now (bottom 17%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they set up to do next?
How much room does it have to grow?
top 38% of 142 in its family for room to expand.
From the record
Bank of Marin Bancorp's room to grow, from the newest filed statements (fiscal 2025): cash of $225 million against no long-term debt tagged leaves 5.8% of its assets as net cash, top 29% of its family; cash from operations less capital spending is 24.4% of revenue (top 46%) (its annual report).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What could actually drive growth from here?
bottom 37% of 152 in its family for growth drivers.
From the record
Bank of Marin Bancorp's growth drivers, from the filed years to fiscal 2025: revenue grew 5.4% a year over the last three filed years against 8.1% over all 10, slowing (bottom 13% of its family); the newest year grew 7.9% (top 35%); capital spending grew -7.1% a year (bottom 32%) (its annual reports). Bank of Marin Bancorp tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
Did its newest year beat what its own record pointed to?
bottom 31% of 150 in its family for expectations against reality.
From the record
Bank of Marin Bancorp's newest year against its own record: revenue of $152 million in fiscal 2025 came in 3.5% above the $147 million its prior three years' pace pointed to (top 12% of its family); net income of $36 million against a prior three-year average of $19 million (bottom 2%); a net margin of -23.4% against 14.7% before (bottom 2%) (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made