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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southeast · Virginia, the state note

John Marshall Bank

Reston, Virginia · $2.40B in assets · beside the 11 other Virginia banks between $1B and $3B

The filing

100.9%
Loans / deposits
12th of 12
75.6x
Coverage of noncurrent
1st of 11
12.3%
Equity / assets
2nd of 12

John Marshall Bank is the second largest of the 12 Virginia banks nearest its size between $1B and $3B, with $2.40B in assets at 30 June 2026. Loans are 100.9% of deposits, the highest in the cohort against a median of 91.1%, and equity is 12.3% of assets, 2nd of 12. Loans grew +5.1% in the year, 5th of 12, and deposits grew 4.9%; the cohort's median loan growth is +3.7%.

Noncurrent loans are 0.01% of the book, 2nd of 12 against a median of 0.39%; 0.00% is 30 to 89 days past due, and the allowance covers them 75.6 times. Commercial real estate is 54.1% of loans, 11th of 12 against a median of 41.6%, and 337% of capital, above the 300% screen, with construction at 70% against the 100% screen.

Return on assets is 1.20%, 6th of 12 against a median of 1.17%, on an efficiency ratio of 49.1%, 4th of 12. Five years ago it was 1.19%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 16.5% of loans).

Loans as a share of depositsVA banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 91.1% CB Chain Bridge Bank N.A. 13.7% NB National Bank of Blacksburg 61.4% CB Chesapeake Bank 75.0% FB First Bank 80.6% VN Virginia National Bank 87.5% CF Citizens & Farmers Bank 90.7% OD Old Dominion National Bank 91.5% F Fvcbank 92.3% Bo Bank of Clarke 93.9% BR Blue Ridge Bank N.A. 98.0% MB Mainstreet Bank 100.5% JM John Marshall Bank 100.9%
Loans, year over yearVA banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +3.7% CB Chesapeake Bank +18.5% MB Mainstreet Bank +9.0% OD Old Dominion National Bank +8.2% CF Citizens & Farmers Bank +6.0% JM John Marshall Bank +5.1% Bo Bank of Clarke +4.4% FB First Bank +3.0% F Fvcbank +1.6% NB National Bank of Blacksburg +0.3% VN Virginia National Bank -0.6% CB Chain Bridge Bank N.A. -4.7% BR Blue Ridge Bank N.A. -6.9%

SBA 7(a), FY2008 to FY2026

John Marshall Bank is the 58th largest 7(a) lender into Virginia of 332, with $27M across 55 loans, 0.4% of everything approved in the state (Live Oak Banking Company leads with $669M). 1 of its 12 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Virginia, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Fairfax, VA$12M29th of 1691.0%+2.3 pts
Loudoun, VA$7M19th of 1341.2%thin
Arlington, VA$3M19th of 731.5%-7.0 pts
District Of Columbia, DC$3M59th of 1300.3%-1.0 pts
Montgomery, MD$2M60th of 1440.2%thin
Prince William, VA$2M46th of 1050.5%thin
Alexandria City, VA$1M40th of 830.5%thin
Manassas City, VA$581K29th of 500.7%thin
Fairfax City, VA$254K45th of 530.3%thin
Falls Church City, VA$250K24th of 350.7%quiet FY2008
New York, NY$250K190th of 2080.0%thin
Anne Arundel, MD$51K114th of 1160.0%thin
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services20$13M42.5%0.02%495th of 2,596
Retail trade10$5M14.7%0.01%761st of 2,589
Manufacturing6$4M13.0%0.01%787th of 2,246
Professional & technical services10$3M9.2%0.01%618th of 1,955
Educational services2$2M5.4%0.03%341st of 1,136
7(a) lenders into Virginia, share of approvals since FY2008332 lenders on record; the ten largest and John Marshall Bank
LO Live Oak Banking Company 9.2% $669M · 493 loans TB Truist Bank 6.8% $497M · 1,580 loans WF Wells Fargo Bank National Associa… 5.0% $365M · 1,549 loans AU Atlantic Union Bank 4.0% $294M · 765 loans Ma Manufacturers and Traders Trust C… 3.5% $254M · 1,602 loans TH The Huntington National Bank 3.0% $219M · 454 loans FN First National Bank of Pennsylvan… 2.4% $176M · 195 loans PB Primis Bank 2.4% $175M · 522 loans G Gbank 2.3% $170M · 69 loans TF The First Bank and Trust Company 2.2% $161M · 227 loans JM John Marshall Bank 0.4% $27M · 55 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
John Marshall BankRankCohort median
Total CRE against capital, the 300% screen337%11th of 12261%
Construction against capital, the 100% screen70%11th of 1244%
Construction and land development, share of loans11.2%11th of 127.5%
Non-owner-occupied nonfarm nonresidential, share of loans38.1%12th of 1226.2%
Total CRE, the guidance definition, share of loans54.1%11th of 1241.6%
CRE growth over 36 months, the third prong+18.7%7th of 12+15.2%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Citizens & Farmers Bank$2.79B1.3%64.8%0.09%0.57%1.8%90.7%11.7%
John Marshall Bank$2.40B1.2%49.1%0.01%0.01%1.0%100.9%12.3%
Fvcbank$2.36B1.4%48.8%0.59%0.00%1.0%92.3%11.8%
Blue Ridge Bank N.A.$2.31B0.0%89.8%1.68%0.03%1.2%98.0%10.6%
Mainstreet Bank$2.24B0.9%65.0%3.15%0.03%1.0%100.5%12.5%
Chain Bridge Bank N.A.$2.19B1.8%40.4%0.00%0.00%1.4%13.7%8.1%
First Bank$2.07B1.1%67.3%0.32%0.09%1.0%80.6%9.4%
Bank of Clarke$1.85B1.0%62.5%1.07%0.29%1.2%93.9%12.0%
National Bank of Blacksburg$1.83B0.6%59.2%0.06%0.02%1.0%61.4%9.2%
Old Dominion National Bank$1.80B0.8%61.4%0.85%0.26%0.9%91.5%10.7%
Chesapeake Bank$1.72B1.7%65.8%0.24%0.07%1.1%75.0%10.7%
Virginia National Bank$1.64B1.9%44.6%0.47%0.00%0.7%87.5%11.9%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
John Marshall BankCohort median
20212026Change20212026Change
Loans$1.57B$2.01B+29%$1.02B$1.50B+46%
Deposits$1.82B$2.00B+10%$1.47B$1.87B+27%
NPA / loans0.00%0.01%+0.01 pts0.26%0.39%+0.14 pts
Efficiency47.8%49.1%+1.2 pts65.5%61.9%-3.5 pts
ROA1.19%1.20%+0.01 pts1.21%1.17%-0.05 pts

This read was prepared for John Marshall Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on John Marshall Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort VA banks $1B to $3B
Institution www.johnmarshallbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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