PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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 $0.0BQ3 2024Q2 2026
Deposit mix
77%Interest-bearing $1.5B23%Noninterest $0.5BQ3 2024Q2 2026

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 1.26%, up 29 bps year over year; NIM at 3.03%.
  • Asset quality: problem loans at 0.01% of loans (+1 bps YoY), with net charge-offs at 0.03%.
  • 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.

Return on Assets (quarter, annualized)

1.26%+29 bps YoY

Net Interest Margin (quarter, annualized)

3.03%+30 bps YoY

Efficiency Ratio (quarter, annualized)

47.64%-364 bps YoY

Tier 1 Leverage Ratio

12.95%+18 bps YoY

NIM

4.79%Q2 ’244.98%Q2 ’255.09%Q2 ’26+23%+11%

Non-interest income vs. expense

1.37%Q2 ’241.43%Q2 ’251.54%Q2 ’26+8%-3%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.81%0.94%0.95%0.97%1.02%1.09%1.12%1.26%+29 bps
Return on Equity7.08%8.00%7.94%8.00%8.41%9.01%9.22%10.29%+228 bps
Net Interest Margin2.36%2.58%2.59%2.73%2.79%2.80%2.88%3.03%+30 bps
Efficiency Ratio55.45%52.30%53.10%51.28%52.53%46.33%50.65%47.64%-364 bps
Non-Interest Burden1.27%1.32%1.34%1.37%1.43%1.26%1.43%1.34%-4 bps
Growth
Asset Growth (YoY)-1.07%-0.36%0.91%-0.09%2.20%4.37%3.52%5.94%+603 bps
Loan Growth (YoY)1.23%0.66%2.44%4.91%5.18%5.51%5.52%5.11%+20 bps
Deposit Growth (YoY)-2.20%-0.66%1.15%-0.77%1.61%4.25%3.38%4.95%+572 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.53%0.00%0.00%0.00%0.05%0.05%0.01%+1 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.07%-0.01%0.03%+3 bps
Allowance / Loans1.00%1.00%1.01%1.01%1.02%1.00%1.01%1.00%0 bps
Allowance Coverage of NPLsn/a1.9xn/an/an/a18.3x20.0x75.6xn/a
Capital
Tier 1 Leverage Ratio11.94%12.36%12.61%12.77%12.69%12.49%12.60%12.95%+18 bps
Total Risk-Based Capital16.33%16.22%16.50%16.33%16.56%16.25%16.48%16.68%+36 bps
Equity / Assets11.59%11.86%11.97%12.21%12.14%12.15%12.23%12.29%+7 bps
Liquidity & Funding
Loans / Deposits94.97%98.60%97.03%100.74%98.31%99.79%99.04%100.90%+16 bps
Liquid Assets / Assets11.53%9.34%11.01%8.74%10.52%9.10%9.74%9.98%+124 bps
CRE / Total Capitaln/an/an/an/a477%480%476%n/an/a