Bank of Marin Bancorp is the holding company for Bank of Marin, a community bank headquartered in Novato, California. The bank serves small to medium-sized businesses, commercial real estate investors, nonprofits, and individual consumers across Northern California, operating 27 retail branches and 8 commercial banking offices across nine counties including Marin, San Francisco, Sonoma, Napa, Alameda, and the Greater Sacramento area. Bank of Marin's core products are loans — primarily commercial real estate, C&I, and construction — and deposits, including business and personal checking, savings, and time deposit accounts. The bank also offers treasury management, wealth management and trust services, and ancillary services like merchant processing and payroll through third-party vendors. Bank of Marin earns money the way most community banks do: by borrowing cheaply via deposits and lending at higher rates, with net interest margin (NIM) as the primary profit driver. Roughly 43% of deposits are noninterest-bearing, meaningfully lowering funding costs. The bank's near-term growth strategy centers on hiring experienced commercial bankers from larger regional and national banks, who bring established client relationships. This hiring push has driven a significant increase in loan originations. Bank of Marin argues it differentiates itself through relationship banking — local decision-making, deep client knowledge, and community ties — positioning itself to attract customers who find service at larger banks less personal.