Bank of Marin Bancorp: Janney Bank CEO Forum 2022

Forward-looking statements

This analysis of financial results includes forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, (the “1933 Act”) and Section 21E of the Securities Exchange Act of 1934, as amended. (the “1934 Act”). These sections of the 1933 Act and the 1934 Act provide a “safe harbor” for forward-looking statements to encourage companies to provide forward-looking information about their financial performance as long as “they provide significant cautionary statements identifying important factors that could cause actual results to differ materially from projected results. Our forward-looking statements include descriptions of management’s plans or objectives for operations, products or services future, and forecasts of revenue, earnings or other measures of economic performance. Forward-looking statements may be identified s by the fact that they do not relate strictly to historical or current facts. They often include the words ‘believe’, ‘expect’, ‘intend’, ‘estimate’ or words of similar meaning, or future or conditional verbs preceded by ‘will’, ‘would’ , “should”, “could” or “may.” Forward-looking statements are based on management’s current expectations regarding economic, legislative and regulatory matters that may affect our earnings in future periods. A number of factors , many of which are beyond management’s control, could cause future results to differ materially from management’s current expectations.These factors include, but are not limited to, general economic conditions and economic uncertainty. in the United States and abroad, including changes in interest rates, the unemployment rate in California, deposit flows, real estate values ​​and expected future cash flows on loans and titles; costs or effects of acquisitions; competetion; changes in accounting principles, policies or guidelines; changes in laws or regulations (including the Coronavirus Aid, Relief and Economic Security Act 2020, as amended, and the Economic Relief for Small Businesses, non-profit organizations and hard-hit sites); the actual payment performance of our borrowers upon the expiration of loan deferrals related to the COVID‐19 pandemic, including the potential adverse impact of loan modifications and payment deferrals implemented in accordance with recent regulatory guidance; natural disasters (such as forest fires and earthquakes in our region); Adverse weather conditions; utility service disruptions in our markets for extended periods of time; and other economic, competitive, governmental, regulatory and technological factors (including external fraud and cybersecurity threats) affecting our operations, prices, products and services.

In addition, events or factors that could cause results or performance to differ materially from those expressed in the forward-looking statements regarding the acquisition of AMRB include, but are not limited to:

• the businesses of Bancorp and AMRB may not be successfully integrated or such integration may be more difficult, time consuming or costly than anticipated;
• the cost savings expected from the acquisition may not be fully realized or realized within the expected time frame;
• post-merger revenues may be lower than expected;
• customer and employee relationships and business operations could be disrupted by the acquisition; and
• the ability to obtain required regulatory and shareholder approvals, and the ability to complete the acquisition in the timeframe anticipated may be more difficult, time-consuming or costly than anticipated.

Important factors that could cause actual results or performance to differ materially from those expressed in our prior forward-looking statements are detailed in the Risk Factors section of our 2020 Form 10-K as filed with the SEC, copies of which are available from us at no charge. We do not undertake to update forward-looking statements to reflect circumstances or events that occur after the date the forward-looking statements are made or to reflect the occurrence of unforeseen events.

GAAP and Non-GAAP Financial Measures

This presentation includes certain non-GAAP financial measures as set out on page 12 of this presentation. Please see the reconciliation of GAAP and non-GAAP financial measures included on pages 2 and 3 of our Form 8‐K under Item 9 – Financial Statements and Schedule 99.1 filed with the SEC on January 24, 2022.

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Nasdaq: BMRC

Offer a relationship and community-oriented banking model on a regional scale

• 31 retail branches and 8 commercial banking offices located in 10 counties.
• A good subscription produces a high quality loan portfolio with low credit costs and stable income.
• Strong deposit base with a low cost funding source for lending activity.

(loan production office)

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Nasdaq: BMRC