What does reclassified due to a change in borrower status mean?

The volume of loans that have been moved between different accounting or risk categories due to a change in the borrower's financial status or loan terms. This metric highlights shifts in the risk profile of the loan portfolio, such as moving from performing to troubled debt restructuring. It provides insight into the bank's internal credit monitoring and reclassification processes.

Bank of Marin Bancorp BMRC Reclassified due to a change in borrower status

Reclassified due to a change in borrower status at other companies

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$11.85M-15.3%

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$21.75M-11.8%

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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:LoansAndLeasesReceivableReclassifiedDueToChangeInBorrowerStatus.

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 reclassified due to a change in borrower status?: Bank of Marin Bancorp (BMRC) reported reclassified due to a change in borrower status of -$104K in Q4 2025.
What does reclassified due to a change in borrower status mean?: The volume of loans that have been moved between different accounting or risk categories due to a change in the borrower's financial status or loan terms. This metric highlights shifts in the risk profile of the loan portfolio, such as moving from performing to troubled debt restructuring. It provides insight into the bank's internal credit monitoring and reclassification processes.