MASHINIi

Bank of Marin Bancorp.

BMRC.US | N/A

Bank of Marin Bancorp operates as the holding company for Bank of Marin that provides a range of financial services to small to medium-sized businesses, not-for-profit organizations, and commercial real estate investors in the United States. The company offers personal and business checking and savi...Show More

Ethical Profile

Mixed.

A Top Corporate Philanthropist since 2003, Bank of Marin Bancorp donates over $627,000 and reinvests 1% of pre-tax profit. Employee sentiment on Glassdoor is positive (3.4/5, 91% CEO approval). CEO-to-median pay ratio is 11:1 ($1.37M vs. $123K in 2024). The bank reports a $47.3M 'Green Lending Portfolio' and $31.2M in solar/wind investments; however, broader environmental data is limited. A $615K Private Attorneys General Act lawsuit was resolved, critics note limited context. Security includes annual training, encryption, and FFIEC, NIST, CCPA adherence. Ethical sourcing or health initiative details are limited.

Value Scores

Better Health for All0
-100100
Fair Money & Economic Opportunity0
-100100
Fair Pay & Worker Respect40
-100100
Fair Trade & Ethical Sourcing0
-100100
Honest & Fair Business-10
-100100
Kind to Animals0
-100100
No War, No Weapons0
-100100
Planet-Friendly Business-40
-100100
Respect for Cultures & Communities0
-100100
Safe & Smart Tech-10
-100100
Zero Waste & Sustainable Products0
-100100

Better Health for All

0

Bank of Marin Bancorp is a financial institution, and its core business operations do not directly involve health-related products or services.

1
Therefore, its products and services have no significant positive or negative health impact, and it generates no revenue from products with direct health impacts.
2
The company's operations do not have direct safety implications for physical or mental health, nor does it offer health-related products requiring accessibility considerations or carry health risks requiring disclosure.
3
The company's R&D and innovation are not focused on health outcomes, and its operations do not generate significant health externalities.
4
There is no evidence of specific health equity programs, healthcare workforce support, preventative health measures, or collection/management of health-related data.
5
The company's operations are not directly relevant to health crisis response, mental health outcomes, pharmaceutical patents, food/nutritional products, health education, addiction mitigation, or clinical trials.
6

Fair Money & Economic Opportunity

0

No information could be extracted from the provided articles due to throttling errors, preventing assessment against any KPIs related to Fair Money & Economic Opportunity.

1

Fair Pay & Worker Respect

40

In 2024, Bank of Marin Bancorp's CEO to median employee pay ratio was 11:1.

1
This was calculated from the CEO's total compensation of $1.37 million and the median employee compensation of $123,000.
2

Fair Trade & Ethical Sourcing

0

No evidence available to assess Bank of Marin Bancorp on Fair Trade & Ethical Sourcing.

Honest & Fair Business

-10

The company resolved a Private Attorneys General Act / putative class action lawsuit for $615,000.

1

Kind to Animals

0

No specific evidence regarding BMRC.US's performance on animal welfare, animal testing, animal-derived ingredients, habitat conservation, or related policies was found in the provided articles. The articles discuss general trends in the financial sector or Bank of Marin's grant programs and lending services without specific data points relevant to the 'Kind to Animals' value for BMRC.US.

No War, No Weapons

0

No specific, concrete data points were found in the provided articles to assess BMRC.US against any of the KPIs for the 'No War, No Weapons' ethical value. The articles do not contain information regarding arms contracts, dual-use technology, sales to embargoed regimes, peacebuilding investments, divestment policies, board oversight of defense, export certifications, lobbying on arms control, humanitarian procurement, human rights due diligence in conflict areas, Arms Trade Treaty compliance, AI military safeguards, UN Guiding Principles alignment, dual-use screening, surveillance involvement, ethical red lines, exposure to controversial weapons, war risk audits, conflict partner reviews, defense divestment, conflict minerals, peace tech investment, conflict zone procurement, or ethical red lines compliance.

1

Planet-Friendly Business

-40

Bank of Marin Bancorp (BMRC.US) had no significant findings from regulatory examinations by the California Department of Financial Protection in September 2023 or the Federal Reserve in November 2023, indicating zero major environmental compliance violations.

1
The company conducts climate scenario analysis to assess potential impacts on its portfolios, and its commercial real estate loans are 63.4% in low-risk climate zones, with 89.2% of residential mortgages undergoing climate risk screening.
2
However, the company's TCFD alignment is only partial, with climate scenario analysis included but no explicit mention of full adoption or integration into enterprise risk management.

Respect for Cultures & Communities

0

No specific, quantitative evidence was found in the provided articles to score any of the KPIs related to Respect for Cultures & Communities. While Article 2 mentions a figure of "at least 1% of pre-tax profit annually" for local reinvestment and "137" formal partnerships, these metrics do not precisely align with the rubric's requirements for 'percentage of company revenue reinvested' or 'number of formal partnership agreements with indigenous or local community groups'.

1
Similarly, a dollar amount for charitable grants was provided, but not as a percentage of revenue specifically for cultural heritage organizations.
2
All other KPIs lacked any concrete, quantifiable data.

Safe & Smart Tech

-10

Annual security awareness training is provided to all board members and employees.

1
Encryption is employed across systems and data storage.
2
Vulnerability management is part of the program, including third-party penetration testing.
3
Security testing is conducted, including penetration testing and network traffic monitoring.
4
Data retention is for the time required or permitted by law.
5
The company explicitly states compliance with the California Consumer Privacy Act (CCPA) and mentions compliance with FFIEC guidelines, NIST framework, and other industry standards.
6
California residents have rights to access, data portability, and deletion of personal information, with a response time of 45 days, and a possible 90-day extension for verifiable requests.
7

Zero Waste & Sustainable Products

0

No specific, quantitative data or concrete facts regarding BMRC.US's waste diversion rates, product recyclability, packaging sustainability, recycled content, single-use plastic reduction, take-back programs, circular design, waste reduction initiatives, hazardous waste management, product durability, repairability scores, waste audit frequency, zero-waste certifications, waste disposal violations, material efficiency, packaging-to-product ratios, waste reduction targets, supplier waste requirements, or customer waste education were found in the provided articles.

1
The articles primarily focus on financial performance, ethical conduct, or general environmental, social, and governance (ESG) strategy without providing specific metrics or outcomes related to zero waste and sustainable products.
2

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AI-generated analysis based on publicly available data. Not financial advice. Ratings are expressions of opinion derived from automated models and may contain inaccuracies. See our Risk Disclosure for full details.