HIGHBuilt-inLoan_portfolio
62%
business deposits
“10-K Item 1: 'approximately 62% of our deposits were from businesses and 38% from consumers.'”
BMRC · Concentration risk · 10-K extracted
Bank of Marin Bancorp (BMRC) concentration risks
Updated
The most significant concentration Bank of Marin Bancorp discloses is business deposits at 62%, classified HIGH by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Source: Bank of Marin Bancorp’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
At a glance
Disclosed-size breakdown · 4 disclosed concentrations
HIGH1
MEDIUM2
LOW1
Disclosed concentrations
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
MEDIUMBuilt-inLoan_portfolio
31%
uninsured and/or uncollateralized deposits
“10-K Item 1A: 'we maintain a well-diversified deposit base, with an estimated 31% of uninsured and/or uncollateralized deposits as of December 31, 2025.'”
MEDIUMBuilt-inGeographic
Marin, Napa, Alameda and southern Sonoma counties
“10-K Item 1: 'the majority of our deposits were in Marin, Napa, Alameda and southern Sonoma counties'”
LOWOutside partyLoan_portfolio
12%
top ten depositor relationships
“10-K Item 1A: 'our top ten depositor relationships accounted for approximately 12% and 9% of total deposit balances at December 31, 2025 and 2024, respectively.'”
TrendMatrix Research · concentration synthesis
What these concentrations mean together
updated 2026-07-06Bank of Marin Bancorp's concentration profile is built around its deposit base and footprint rather than a handful of large relationships. Approximately 62% of deposits come from businesses versus 38% from consumers, and an estimated 31% of deposits are uninsured and/or uncollateralized — both structural characteristics of the bank's commercial-focused model rather than dependency on any single depositor. Geographically, the majority of deposits are concentrated in Marin, Napa, Alameda, and southern Sonoma counties, tying performance to the economic health of a specific Northern California region. By contrast, depositor-level concentration is low: the top ten depositor relationships account for approximately 12% of total deposits, meaning no small group of customers dominates the funding base. Netting these together, Bank of Marin's risk is primarily structural — a business-heavy, regionally concentrated, partially uninsured deposit base that would be sensitive to a regional economic shock or a broad deposit-flight event — rather than dependency on a handful of large depositors, which the filing shows to be a comparatively contained exposure.
For the engine’s reasoning on BMRC’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
Industry peers · Banks - Regional
Peer concentration profile
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| AMAL | Amalgamated Financial Corp. | 2 | 1 | 0 | 3 |
| BMRC● | Bank of Marin Bancorp | 1 | 2 | 1 | 4 |
| ACNB | ACNB Corporation | 1 | 1 | 0 | 2 |
| ALRS | Alerus Financial Corporation | 1 | 1 | 0 | 2 |
| AMTB | Amerant Bancorp Inc. | 0 | 1 | 1 | 2 |
| ABCB | Ameris Bancorp | 0 | 0 | 0 | 0 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.