Bank of Marin Bancorp (BMRC) Q4 2025 Earnings Call

Investor webinar replay

Watch the replay and follow the connected company analysis, news, and investor updates for Bank Of Marin Bancorp.

Watch the replay

Replay transcript excerpt

WEBVTT 00:00:00.031 -- 00:00:02.875 well as on the webcast replay. 00:00:02.875 -- 00:00:07.420 Before we get started, I want to note that we will be discussing some non-GAAP financial 00:00:07.420 -- 00:00:12.627 measures. Please refer to the reconciliation table in our earnings news release for both 00:00:12.627 -- 00:00:15.490 GAAP and non-GAAP measures. 00:00:15.490 -- 00:00:20.276 Additionally, the discussion on the call is based on information we knew as of Friday, 00:00:20.276 -- 00:00:23.280 January 23, 2026, and 00:00:23.280 -- 00:00:27.993 may contain forward-looking statements that involve risks and uncertainties. 00:00:27.993 -- 00:00:33.038 Actual results may differ materially from those set forth in such statements. 00:00:33.038 -- 00:00:36.842 For a discussion on these risks and uncertainties, please review the forward-looking 00:00:36.842 -- 00:00:42.568 statements disclosure in our earnings news release, as well as our SEC filings. 00:00:42.568 -- 00:00:47.613 Following our prepared remarks, Tim, Dave, and our Chief Credit Officer, Misako Stewart, 00:00:47.613 -- 00:00:50.255 will be available to answer your questions. 00:00:50.255 -- 00:00:53.098 And now I'd like to turn the call over to Tim Myers. 00:00:53.098 -- 00:00:58.351 Thank you, Christy. Good morning, everyone, and welcome to our quarterly earnings call. 00:00:58.351 -- 00:01:03.697 We are very excited that our execution in the fourth quarter across a number of key areas 00:01:03.697 -- 00:01:09.083 resulted in continued positive trends for core profitability metrics, loan and deposit 00:01:09.083 -- 00:01:14.149 growth, effective expense management, and improved credit quality. 00:01:14.149 -- 00:01:18.794 We completed a balance sheet restructuring during the quarter that did result in a n...