John Marshall Bank
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Data as of · sourced from FFIEC call reports. How we update
John Marshall Bank is an FDIC-insured commercial bank headquartered in Reston, VA, established in 2006 (FDIC certificate 58243), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $2.40B, up 5.9% from Q2 2025, the 12th largest of 56 banks headquartered in Virginia. Its CET1 capital ratio was 15.59% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 58243
- Headquarters
- Reston, VA
- Established
- 2006
- Total assets, Q2 2026
- $2.40B
- Assets vs Q2 2025
- +5.9%
- CET1 ratio, Q2 2026
- 15.59%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 056009356
- Holding company
- JOHN MARSHALL BANCORP, INC.
- Asset rank in state
- 12th of 56 in Virginia
John Marshall Bank, based in Reston, Virginia, reported $2.4 billion in assets at June 30, 2026, up 5.9% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 3.6%). On the other hand, it holds commercial real estate loans worth 3.4 times its capital, higher than about three-quarters of banks its size (median 2.2 times).
Earnings jumped: net income for the quarter was $7.5 million, 37% above the same quarter a year earlier. Its margin is thin by comparison: it keeps 3.03 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.71 cents).
As of June 30, 2026, John Marshall Bank reported a CET1 capital ratio of 15.59%, a return on assets of 1.28%, a nonperforming-loan ratio of 0.01% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
John Marshall Bank ranks as the 12th largest of the 56 banks based in Virginia, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 2.1% to $2.40B, loans rose 2.1% and deposits rose 0.2%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 38.1% of total loans, followed by 1-4 family residential loans at 26.8%. Its 8 offices in the FDIC Summary of Deposits are in 8 cities across 3 states; its Reston office books 31% of its branch deposits. Judged on its Q2 2026 call report, John Marshall Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1943 Isaac Newton Sq E, Reston, VA 20190
- County
- Fairfax
- Metro Area
- Washington-Arlington-Alexandria, DC-Va-MD-WV
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- April 17, 2006
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 140
- Domestic deposits
- $2.00B
- Allowance for credit losses
- $20.2M
- Net charge-offs (YTD)
- $137K
- Average total assets
- $2.34B
- Average total loans
- $1.98B
- Average interest-bearing deposits
- $1.91B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 17, 2006
- FDIC Cert
- 58243
- Fed RSSD
- 3419416
- SEC CIK
- 1710482 → filed by JOHN MARSHALL BANCORP, INC.
- Website
- www.johnmarshallbank.com →
- Parent Holding Company
- JOHN MARSHALL BANCORP, INC. (RSSD 5039724) · JMSB
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Christopher W Bergstrom | CEO | CHIEF EXECUTIVE OFFICER |
| Kent Carstater | CFO | CHIEF FINANCIAL OFFICER |
| Bell Kelly Jo | COO | CHIEF OPERATING OFFICER |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
John Marshall Bank's total assets moved between a low of $2.23B (Q4 2024) and a high of $2.40B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$2.40B total assets against $2.26B; $2.10B total liabilities against $1.99B.
$1.99B net loans and leases against $1.90B; $2.00B total deposits against $1.90B.
$213.7M securities against $215.8M; $159.0M cash and balances due against $116.9M.
$29.8M total interest income against $27.8M; $12.1M total interest expense against $12.6M.
$17.7M net interest income against $15.3M.
$1.2M total noninterest income against $324K; $9.0M total noninterest expense against $8.0M.
$257K provision for credit losses against $537K.
$7.5M net income against $5.5M.
1.28% return on assets against 0.98%; 3.03% net interest margin against 2.73%.
15.59% CET1 capital ratio against 15.26%; 12.95% tier 1 leverage ratio against 12.77%.
Inside the full John Marshall Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
John Marshall Bank rankings
Its closest position to the top of a national ranking is 508 of 4,196, for total assets; its furthest is 3,355 of 3,640, for Texas Ratio.
Metric pages for John Marshall Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.81% (Q3 2024) to 1.28% (Q2 2026) and its net interest margin ran from 2.36% (Q3 2024) to 3.03% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.59% | 1.28% | 0.01% | 0.00% | 3.03% |
| Q1 2026 | 15.38% | 1.12% | 0.05% | 0.00% | 2.88% |
| Q4 2025 | 15.18% | 1.09% | 0.05% | 0.00% | 2.80% |
| Q3 2025 | 15.48% | 1.03% | 0.00% | 0.00% | 2.79% |
| Q2 2025 | 15.26% | 0.98% | 0.00% | 0.00% | 2.73% |
| Q1 2025 | 15.44% | 0.95% | 0.00% | 0.00% | 2.59% |
| Q4 2024 | 15.19% | 0.95% | 0.53% | 3.52% | 2.59% |
| Q3 2024 | 15.30% | 0.81% | 0.00% | 0.00% | 2.36% |
Swipe the table sideways to see every column.
Branch Network
View all 8 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| John Marshall Bank (main office) | Reston , VA | 20190 | $624.1M |
| Alexandria Branch | Alexandria , VA | 22314 | $303.4M |
| Arlington Branch | Arlington , VA | 22201 | $278.5M |
| Leesburg Branch | Leesburg , VA | 20176 | $228.5M |
| Woodbridge Branch | Woodbridge , VA | 22192 | $213.8M |
| Tysons Corner Branch | Tysons , VA | 22182 | $185.0M |
| Rockville Branch | Rockville , MD | 20850 | $121.4M |
| District of Columbia Branch | Washington , DC | 20006 | $42.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.6% of deposits in VA, rank 22 of 102 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 113 applications, 35 loans originated, $34.3M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 12 loans, $6.4M approved, $536K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about John Marshall Bank
What are John Marshall Bank's total assets?
As of the Q2 2026 filing, John Marshall Bank reported total assets of $2.40 billion in its FFIEC call report.
Where is John Marshall Bank headquartered?
It is headquartered in Reston, VA, United States.
When was John Marshall Bank founded?
It was established in 2006, per the FDIC institution directory.
Is John Marshall Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58243). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates John Marshall Bank?
John Marshall Bank's primary federal regulator is the Federal Reserve.
What is John Marshall Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.59% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does John Marshall Bank operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is John Marshall Bank's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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