John Marshall Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Compared with Q1 2026, Net interest margin rose 0.15 percentage points in Q2 2026 to 3.03%, the biggest move on this page. Within Virginia, John Marshall Bank is 50th of 56 on net interest margin, 3.03% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. John Marshall Bank sits 0.68 points lower, at 3.03% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.09% |
| Yield on loans | 5.50% |
| Yield on securities | 2.29% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.99% |
| Cost of interest-bearing deposits | 3.00% |
| Cost of interest-bearing liabilities | 3.00% |
| Cost of borrowings | 3.90% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.03% |
| Yield to cost spread | 2.09% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $27.2M |
| Total interest expense | $12.1M |
| Interest expense on deposits | $11.5M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.53% | 2.28% | 2.12% | 4.90% | 1.87% |
| Q4 2023 | 4.68% | 2.50% | 2.18% | 5.02% | 1.87% |
| Q1 2024 | 4.77% | 2.53% | 2.14% | 5.15% | 1.86% |
| Q2 2024 | 4.80% | 2.47% | 2.23% | 5.16% | 1.84% |
| Q3 2024 | 4.97% | 2.48% | 2.36% | 5.35% | 1.82% |
| Q4 2024 | 5.02% | 2.34% | 2.59% | 5.45% | 1.82% |
| Q1 2025 | 4.90% | 2.21% | 2.59% | 5.31% | 1.80% |
| Q2 2025 | 4.98% | 2.16% | 2.73% | 5.40% | 1.90% |
| Q3 2025 | 5.06% | 2.19% | 2.79% | 5.48% | 1.92% |
| Q4 2025 | 5.01% | 2.14% | 2.80% | 5.43% | 1.97% |
| Q1 2026 | 4.97% | 2.02% | 2.88% | 5.39% | 2.13% |
| Q2 2026 | 5.09% | 1.99% | 3.03% | 5.50% | 2.29% |
John Marshall Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock John Marshall Bank, freeSource: Call Report Schedules RI and RC-K, 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)