BlastPoint's Banking Scorecard

John Marshall Bank

$1B-$10B Specialty: Commercial VA FDIC cert 58243

Designations: ✓ Community bank

Reston, VA

8 branches across VA · DC · MD

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 23 in VA.
Deposits +4.9% year over year ($2.0B on the books).
Delinquency rate 0.01%.
Return on assets 1.19%.
Efficiency ratio 49.08% vs a 59.73% peer average.
Loan-to-deposit ratio 99.89% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 23 in VA

View $1B-$10B leaderboard (VA) →

John Marshall Bank has 3 strengths but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.85% below tier average
+ Nonperforming Asset Ratio 0.66% below tier average
+ Efficiency Ratio 10.65% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 1.4% in tier
- Credit Risk Growth: Bottom 14.7% in tier
- Non-Interest Income / Assets 0.47% below tier average
- ROA 0.20% below tier average
- Net Interest Margin 0.89% below tier average

Get updates when John Marshall Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Total Assets ?	$2.4B +5.9% YoY +2.1% QoQ	-$394.7M	$2.8B -0.6% YoY	$17.9B +3.0% YoY	$6.3B +7.7% YoY	60%
Total Loans ?	$2.0B +5.1% YoY +2.1% QoQ	+$31.5M	$2.0B -0.3% YoY	$10.9B +3.1% YoY	$3.2B +9.4% YoY	67%
Total Deposits ?	$2.0B +4.9% YoY +0.2% QoQ	-$321.9M	$2.3B -0.5% YoY	$14.1B +3.2% YoY	$4.9B +7.3% YoY	59%
Return on Assets ?	1.19% +24.4% YoY +6.1% QoQ	-0.20%	1.39% +17.0% YoY	1.34% +70.7% YoY	1.30% +12.1% YoY	44%
Net Interest Margin ?	2.98% +10.8% YoY +1.5% QoQ	-0.89%	3.87% +6.2% YoY	3.88% +6.6% YoY	3.95% +4.9% YoY	Bottom 14.0% in tier
Efficiency Ratio ?	49.08% -5.9% YoY -3.1% QoQ	-10.65%	59.73% -12.6% YoY	62.24% -10.7% YoY	70.05% +2.5% YoY	79%
Delinquency Rate ?	0.01% -73.8% QoQ	-0.85%	0.87% +11.7% YoY	0.72% +0.1% YoY	0.98% +16.3% YoY	Top 4.4% in tier
Loan-to-Deposit Ratio ?	99.89% +0.2% YoY +1.9% QoQ	+14.85%	85.04% -0.1% YoY	80.15% +0.8% YoY	79.03% +2.3% YoY	Bottom 14.6% in tier
Non-Interest-Bearing Deposit Share ?	22.81% -2.4% YoY -1.9% QoQ	+1.54%	21.27% -1.5% YoY	26.19% +3.5% YoY	21.98% -0.6% YoY	64%
Nonperforming Asset Ratio ?	0.01% -73.8% QoQ	-0.66%	0.67% +11.7% YoY	0.52% -0.4% YoY	0.69% +15.8% YoY	Top 4.6% in tier
Tier 1 Capital Ratio ?	15.59% +2.1% YoY +1.4% QoQ	+0.74%	14.84% -0.4% YoY	16.58% +3.9% YoY	17.09% +0.8% YoY	78%
Non-Interest Income / Assets ?	0.06% +73.1% YoY +385.7% QoQ	-0.47%	0.53% +2.5% YoY	0.52% +72.6% YoY	0.66% +5.2% YoY	Bottom 4.5% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Noninterest-Bearing	22.8% -0.6pp YoY -0.4pp QoQ	+1.4pp	21.4%	26.2%	22.2%	63%
Brokered Deposits	16.1% +0.2pp YoY +1.0pp QoQ	+6.6pp	9.5%	8.5%	8.5%	84%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
C&I	2.6% +0.3pp YoY +0.1pp QoQ	-11.4pp	14.0%	11.0%	12.5%	8%
CRE	71.3% -1.3pp YoY -0.6pp QoQ	+21.3pp	50.0%	46.9%	41.4%	89%
1-4 Family	27.1% +1.0pp YoY +0.5pp QoQ	+0.7pp	26.4%	32.6%	31.3%	60%
Consumer	0.0% 0.0pp YoY 0.0pp QoQ	-4.7pp	4.7%	8.0%	5.0%	6%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
CET1 Ratio	15.6% +0.3pp YoY +0.2pp QoQ	0.0pp	15.6%	17.2%	19.7%	75%
Leverage Ratio	12.9% +0.2pp YoY +0.3pp QoQ	+1.6pp	11.3%	12.2%	12.6%	85%
Total Capital Ratio	16.7% +0.4pp YoY +0.2pp QoQ	0.0pp	16.7%	18.3%	20.8%	74%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Full-Time Employees	140 -1 (-0.7%) YoY +1 (+0.7%) QoQ	-174	313	1,956	482	20%
Assets per Employee ($)	$17.1M +6.7% YoY +1.4% QoQ	+$6.7M	$10.5M	$9.9M	$8.8M	92%
Branch Count	8 0 YoY 0 QoQ	-12	20	28	18	20%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Past Due 90+ Days	0.0%	-0.1pp	0.2%	0.2%	0.4%	36%
Nonaccrual	n/a	n/a	0.8%	0.7%	1.0%	n/a
Allowance Coverage	75.64x +278.1% QoQ	+56.93x	18.71x	9.47x	20.23x	98%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.2%	0.2%	34%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
ROE	9.8% +1.8pp YoY +0.5pp QoQ	-2.8pp	12.6%	12.0%	11.6%	31%
Cost of Funds (YTD)	2.1% -0.2pp YoY 0.0pp QoQ	+0.2pp	1.9%	1.7%	1.7%	65%
Net Income ($, YTD)	$14.1M +30.1% YoY — QoQ	-$5.2M	$19.2M	$137.1M	$40.4M	57%

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12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Credit Quality Pressure

risk

#8 of 492 • Bottom 1.4% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.01%

(Tier: 0.87%, National: 0.98%)

better than tier avg

492 of 492 Mid-Market banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank improving

Credit Risk Growth

risk

#60 of 402 • Bottom 14.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (4 metrics)

Delinquency Rate

credit_quality

Value: 0.01%

Peer Median: 0.87%

#40 of 882 Top 4.4% in $1B-$10B

Nonperforming Asset Ratio

credit_quality

Value: 0.01%

Peer Median: 0.67%

#42 of 885 Top 4.6% in $1B-$10B

184

Efficiency Ratio

profitability

Value: 49.08%

Peer Median: 59.73%

#184 of 885 Top 20.7% in $1B-$10B

199

Tier 1 Capital Ratio

capital

Value: 15.59%

Peer Median: 14.84%

#199 of 885 Top 22.4% in $1B-$10B

Top Weaknesses (3 metrics)

846

Non-Interest Income / Assets

revenue_mix

Value: 0.06%

Peer Median: 0.53%

#846 of 885 Bottom 4.5% in $1B-$10B

762

Net Interest Margin

profitability

Value: 2.98%

Peer Median: 3.87%

#762 of 885 Bottom 14.0% in $1B-$10B

757

Loan-to-Deposit Ratio

liquidity

Value: 99.89%

Peer Median: 85.04%

#757 of 885 Bottom 14.6% in $1B-$10B