John Marshall Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 5.62 percentage points lower than in Q1 2026, at 337.92%. Among 56 Virginia banks, John Marshall Bank sits 4th from the top on loan-to-deposit ratio, 100.90% as of Q2 2026. John Marshall Bank reported 100.90% on loan-to-deposit ratio for Q2 2026, 12.70 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.01B |
| Net loans and leases | $1.99B |
| Loans held for sale | $0 |
| Loans to total assets | 84.01% |
| Loan-to-deposit ratio | 100.90% |
| Net loans to equity capital | 6.77% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 54.52% |
| Multifamily (5+ residential) | 4.82% |
| Commercial and industrial | 2.54% |
| Consumer | 0.03% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 337.92% |
| Construction concentration (Tier 1 capital + allowance) | 70.20% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.46% |
| Interest income on loans | $27.2M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $1.82B | $1.98B | 57.46% | 2.10% | 0.03% |
| Q4 2023 | $1.86B | $1.91B | 56.39% | 2.44% | 0.04% |
| Q1 2024 | $1.83B | $1.91B | 57.40% | 2.36% | 0.04% |
| Q2 2024 | $1.83B | $1.92B | 58.63% | 2.30% | 0.05% |
| Q3 2024 | $1.84B | $1.94B | 58.06% | 2.17% | 0.05% |
| Q4 2024 | $1.87B | $1.90B | 57.98% | 2.56% | 0.05% |
| Q1 2025 | $1.87B | $1.93B | 57.54% | 2.50% | 0.04% |
| Q2 2025 | $1.92B | $1.90B | 57.21% | 2.27% | 0.05% |
| Q3 2025 | $1.94B | $1.97B | 56.59% | 2.42% | 0.06% |
| Q4 2025 | $1.98B | $1.98B | 54.64% | 2.54% | 0.06% |
| Q1 2026 | $1.97B | $1.99B | 54.88% | 2.49% | 0.04% |
| Q2 2026 | $2.01B | $2.00B | 54.52% | 2.54% | 0.03% |
John Marshall Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock John Marshall Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full John Marshall Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58243) · FFIEC NIC profile (RSSD 3419416)