For the quarter ending 2026-03-31, BMRC had $11,341K increase in cash & cash equivalents over the period. $921K in free cash flow.
| Cash Flow | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Net income (loss) | 8,510 | -39,541 | 7,526 | -3,660 |
| Depreciation and amortization | - | 1,264 | - | - |
| Loss on disposal of premises and equipment | - | 2 | -10 | -1 |
| Write-down of other real estate owned | - | 0 | - | - |
| Provision for credit losses on loans | 0 | 300 | 0 | 75 |
| Net losses on sale of investment securities | - | -69,466 | 0 | -18,736 |
| Provision for (reversal of) credit losses on unfunded loan commitments | - | 185 | 0 | - |
| Noncash contribution expense to employee stock ownership plan | 373 | 208 | 422 | 846 |
| Noncash director compensation expense | 215 | 0 | 214 | 255 |
| Stock-based compensation expense | 274 | 226 | 226 | 363 |
| Amortization of core deposit intangible | 200 | 211 | 217 | 447 |
| Amortization of investment security premiums, net of accretion of discounts | 38 | -68 | -107 | -559 |
| Accretion of discounts on acquired loans, net | -5 | 11 | 41 | 82 |
| Accretion of discount on subordinated notes | 48 | 22 | - | - |
| Issuance costs offset to subordinated notes | - | 1,165 | - | - |
| Net change in deferred loan origination costs/fees | -77 | -329 | -37 | 64 |
| Depreciation and amortization | -669 | - | 290 | 642 |
| Earnings on bank-owned life insurance policies | 487 | 440 | 128 | 1,211 |
| Earnings on bank-owned life insurance death benefits | 479 | 0 | 306 | - |
| Net changes in interest receivable and other assets | 5,117 | 18,528 | -2,743 | 1,396 |
| Net changes in interest payable and other liabilities | -2,759 | 1,960 | 1,163 | -2,535 |
| Total adjustments | -7,425 | 53,161 | 4,954 | 16,636 |
| Purchased loans | - | 0 | 226 | - |
| Net cash provided by operating activities | 1,085 | 13,620 | 12,480 | 12,976 |
| Purchase of bank-owned life insurance policies | - | 0 | 0 | 0 |
| Proceeds from sale of premises and equipment | - | 0 | 0 | - |
| Purchase of available-for-sale securities | 65,196 | 646,952 | 169,082 | 252,714 |
| Proceeds from sale of available-for-sale securities | - | 0 | 0 | 167,017 |
| Proceeds from sale of available-for-sale securities transferred from held-to-maturity | - | 523,688 | - | - |
| Proceeds from paydowns/maturities of held-to-maturity securities | 0 | 14,226 | 11,715 | 56,140 |
| Proceeds from paydowns/maturities of available-for-sale securities | 59,213 | 58,474 | 20,078 | 83,939 |
| Proceeds from sale of visa inc. class b restricted common stock | - | 0 | - | - |
| Proceeds from sales of non-accrual loans | 9,067 | 0 | - | - |
| (increase) decrease in loans receivable, net | -2,233 | -30,872 | -16,460 | 9,062 |
| Proceeds from bank-owned life insurance policies | 1,177 | 0 | 0 | 1,805 |
| Proceeds from sale of other real estate owned | - | 0 | - | - |
| Cash paid for low income housing tax credit investment | - | 10 | 0 | 0 |
| Purchase of premises and equipment | 164 | 127 | 411 | 1,281 |
| Net cash provided by investing activities | 1,864 | -81,573 | -154,386 | 63,968 |
| Net increase in deposits | 12,584 | 32,966 | 137,528 | 25,033 |
| Repayment of short-term borrowings, net | - | - | 0 | 0 |
| Repayment of proceeds from short-term borrowings, net | - | 0 | - | - |
| Repayment of finance lease obligations | 41 | 29 | 20 | 77 |
| Proceeds from issuance of subordinated notes | - | 45,000 | - | - |
| Proceeds from stock options exercised | 30 | 0 | - | - |
| Restricted stock surrendered for tax withholdings upon vesting | 156 | 0 | -1 | 104 |
| Cash dividends paid on common stock | 4,028 | 4,023 | 4,024 | 8,079 |
| Stock repurchased | 6 | 0 | 1,118 | 2,175 |
| Proceeds from stock issued under employee and director stock purchase plans | 9 | 9 | 9 | 17 |
| Net cash provided by financing activities | 8,392 | 73,923 | 132,376 | 14,615 |
| Net increase in cash, cash equivalents and restricted cash | 11,341 | 5,970 | -9,530 | 91,559 |
| Cash, cash equivalents and restricted cash at beginning of period | 225,303 | 219,333 | 137,304 | - |
| Cash, cash equivalents and restricted cash at end of period | 236,644 | 225,303 | 219,333 | - |
Bank of Marin Bancorp (BMRC)
Bank of Marin Bancorp (BMRC)