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John Marshall Bank

Reston, VA · Cert 58243 · John Marshall Bcorp Inc.

State charter, Fed member · FED · 8 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

77

Q2 2024Q2 2026peer median (50)

Asset Quality

85

Q2 2024Q2 2026peer median (50)

Profitability

33

Q2 2024Q2 2026peer median (50)

Liquidity

4

Q2 2024Q2 2026peer median

Efficiency

82

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

John Marshall Bank

Reston, VA · Cert 58243 · John Marshall Bcorp Inc.

State charter, Fed member · FED · 8 branches

Q2 2026

$2.4BAssets
$2.0BLoans
$2.0BDeposits
$294.7MEquity
Loan mix
97%RE $1.9B2%C&I $0.0B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
77%Interest-bearing $1.5B23%Noninterest $0.5BQ2 2025Q2 2026

NIM

4.80%Q2 ’244.93%Q2 ’255.04%Q2 ’26+21%+11%

Non-interest income vs. expense

1.37%Q2 ’241.42%Q2 ’251.51%Q2 ’26+7%+3%

Market Position · Washington-Arlington-Alexandria, DC-VA-MD-WV · 2026 SOD (annual) · 0.7% share · #19 of 71 inst. · $2.0B of $301.4B

0.7% Fairfax
5.0% Alexandria (City)
3.1% Arlington
2.4% Loudoun

Executive Summary

  • Earnings: ROA of 1.19%, up 23 bps year over year; NIM at 2.96%.
  • Asset quality: problem loans at 0.01% of loans (+1 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 12.95%, up 18 bps from a year ago.
  • Funding: loans stand at 100.90% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.19%+23 bps YoY

Net Interest Margin (YTD, annualized)

2.96%+30 bps YoY

Efficiency Ratio (YTD, annualized)

49.08%-309 bps YoY

Tier 1 Leverage Ratio

12.95%+18 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.96%0.98%1.01%1.12%1.19%+23 bps
Return on Equity7.98%8.12%8.36%9.22%9.75%+177 bps
Net Interest Margin2.66%2.66%2.66%2.88%2.96%+30 bps
Efficiency Ratio52.17%52.30%50.73%50.65%49.08%-309 bps
Non-Interest Burden1.35%1.36%1.31%1.43%1.39%+3 bps
Growth
Asset Growth (YoY)-0.09%2.20%4.37%3.52%5.94%+603 bps
Loan Growth (YoY)4.91%5.18%5.51%5.52%5.11%+20 bps
Deposit Growth (YoY)-0.77%1.61%4.25%3.38%4.95%+572 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.05%0.05%0.01%+1 bps
Net Charge-Offs / Loans0.00%0.00%0.02%-0.01%0.01%+1 bps
Allowance / Loans1.01%1.02%1.00%1.01%1.00%0 bps
Allowance Coverage of NPLsn/an/a18.3x20.0x75.6xn/a
Capital
Tier 1 Leverage Ratio12.77%12.69%12.49%12.60%12.95%+18 bps
Total Risk-Based Capital16.33%16.56%16.25%16.48%16.68%+36 bps
Equity / Assets12.21%12.14%12.15%12.23%12.29%+7 bps
Liquidity & Funding
Loans / Deposits100.74%98.31%99.79%99.04%100.90%+16 bps
Liquid Assets / Assets8.74%10.52%9.10%9.74%9.98%+124 bps
CRE / Total Capitaln/a477%480%476%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

John Marshall Bank

Reston, VA · Cert 58243 · Peer group: banks $1B-$10B in assets (n=322-328) · John Marshall Bcorp Inc.

State charter, Fed member · FED · 8 branches

Q2 2026

$2.4BAssets
$2.0BLoans
$2.0BDeposits
$294.7MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 95% of banks $1B-$10B in assets (rank 17 of 322).
  • Widest gap: net interest margin trails 78% of banks $1B-$10B in assets (rank 257 of 328).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.17%

Rank 181 of 328

Net Interest Margin

2.96%

Rank 257 of 328

Efficiency Ratio

49.08%

Rank 61 of 328

Equity / Assets

12.29%

Rank 70 of 328

Non-interest income vs. expense

$3.0M$35.4MINCOMEEXPENSE
Unfavorable gap of $32.4M · efficiency ratio beats 82% of banks $1B-$10B in assets
Bank 49.08%Peer median 59.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.17%0.91%1.22%1.52%Beats 45%181 / 328
Return on Equity9.54%8.43%11.45%14.43%Beats 32%223 / 328
Net Interest Margin2.96%3.03%3.45%3.83%Beats 22%257 / 328
Efficiency Ratio49.08%51.61%59.56%67.53%Beats 82%61 / 328
Asset Quality
Nonperforming Loans / Loans0.01%0.24%0.51%1.03%Beats 95%17 / 322
Net Charge-Offs / Loans0.01%0.01%0.03%0.10%Beats 75%82 / 322
Capital
Tier 1 Capital Ratio15.59%11.75%13.15%15.47%Beats 76%79 / 328
Total Risk-Based Capital Ratio16.68%12.63%14.15%16.46%Beats 77%74 / 328
Equity / Assets12.29%9.15%10.33%12.01%Beats 79%70 / 328
Liquidity & Funding
Loans / Deposits100.90%76.63%87.92%95.36%89th pctl37 / 323
Loans / Assets84.01%65.18%74.15%79.98%88th pctl38 / 328
Brokered Deposits / Depositsn/aNot reported for this institution