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Bank of Marin Bancorp BMRC Fair value adjustment on acquired loans

Fair value adjustment on acquired loans at other companies

M/I Homes logo
M/I HomesMHO
$3.51M+163%
SoFi Technologies, Inc. logo
SoFi Technologies, Inc.SOFI
$39.72M-59.9%
Farmers & Merchants Bancorp logo
Farmers & Merchants BancorpFMAO
-$365K+38.1%
The Travelers Companies logo
The Travelers CompaniesTRV
$31M-8.8%
Southern Company logo
Southern CompanySO
$359M-8.7%
BillionToOne, Inc.
 logo
BillionToOne, Inc. BLLN
-$2.78M-54.6%

Other financials

Income statement

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Revenue$34.1M+26.4%
Net income$8.5M+74.5%
EPS (diluted)$0.53+76.7%

Balance sheet

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Cash & equivalents$236.6M-9.0%
Total debt$69.8M+221%
Total equity$394.5M-10.3%
Total assets$3.9B+3.4%

Cash flow

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Operating cash flow$1.1M-78.0%
CapEx$164.0K-47.8%
Free cash flow$921.0K-80.1%

Valuation

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Market cap$426.11M+23.3%
Enterprise value$259.26M+141%
P/S11.1×+6.5×

Profitability

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Net margin-83.2%-94.1pp
FCF margin87.2%+49.4pp

Returns & leverage

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Return on equity-7.7%-10.1pp
Debt / equity0.2×+0.1×

Where this comes from

Reported directly by Bank of Marin Bancorp in its filing.

Tagged under the XBRL concept bmrc:DeferredTaxAssetFairValueAdjustmentLoansReceivable.

The official record: Bank of Marin Bancorp’s 10-K, filed March 13, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Bank of Marin Bancorp's fair value adjustment on acquired loans?
Bank of Marin Bancorp (BMRC) reported fair value adjustment on acquired loans of $384K in Q4 2025.
What is the long-term trend for Bank of Marin Bancorp's fair value adjustment on acquired loans?
Over 5 years (2020 to 2025), Bank of Marin Bancorp's fair value adjustment on acquired loans has grown at a 8.6% compound annual growth rate (CAGR), from $254K to $384K.
What does fair value adjustment on acquired loans mean?
This represents the accounting adjustment made to the carrying value of acquired loans to reflect their fair value at the time of acquisition. It is a critical metric for understanding the difference between the contractual value of the loan portfolio and its recorded value on the balance sheet. This adjustment is amortized over the life of the loans and directly impacts the bank's net interest margin.