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

884 banks in the $1B-$10B peer group nationally 24 in VA

John Marshall Bank has 3 strengths but faces 6 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

+ Credit Quality Leader: Top 31.8% in tier
+ Nonperforming Asset Ratio 0.63% below tier average
+ Efficiency Ratio 10.41% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 6.0% in tier
- Credit Risk Growth: Bottom 20.0% in tier
- Liquidity Strain: Bottom 44.9% in tier
- Non-Interest Income / Assets 0.24% below tier average
- ROA 0.24% below tier average
- Net Interest Margin 0.89% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Total Assets ?	$2.3B +3.5% YoY +0.8% QoQ	-$467.0M	$2.8B -0.1% YoY	$17.9B +25.7% YoY	$6.2B +9.1% YoY	59%
Total Loans ?	$2.0B +5.5% YoY -0.1% QoQ	-$11.1M	$2.0B +0.6% YoY	$10.6B +27.9% YoY	$3.2B +10.8% YoY	66%
Total Deposits ?	$2.0B +3.4% YoY +0.7% QoQ	-$350.5M	$2.3B -0.3% YoY	$14.1B +22.4% YoY	$4.8B +8.2% YoY	59%
Return on Assets ?	1.12% +18.8% YoY +11.4% QoQ	-0.24%	1.37% +19.6% YoY	1.15% +53.9% YoY	1.23% +13.4% YoY	42%
Net Interest Margin ?	2.93% +12.1% YoY +6.1% QoQ	-0.89%	3.82% +6.9% YoY	3.81% +7.1% YoY	3.89% +5.7% YoY	Bottom 14.6% in tier
Efficiency Ratio ?	50.65% -4.6% YoY -0.2% QoQ	-10.41%	61.06% -4.6% YoY	65.58% -7.6% YoY	66.95% -4.1% YoY	78%
Delinquency Rate ?	0.05% -7.8% QoQ	-0.84%	0.89% +14.1% YoY	0.77% +12.4% YoY	0.95% +18.8% YoY	Top 6.7% in tier
Loan-to-Deposit Ratio ?	98.04% +2.1% YoY -0.8% QoQ	+13.83%	84.20% +0.3% YoY	79.34% +0.5% YoY	76.70% +0.9% YoY	17%
Non-Interest-Bearing Deposit Share ?	23.25% +1.1% YoY +4.6% QoQ	+1.96%	21.29% -2.5% YoY	25.27% -0.4% YoY	22.01% -1.2% YoY	65%
Nonperforming Asset Ratio ?	0.04% -8.6% QoQ	-0.63%	0.67% +15.6% YoY	0.55% +12.2% YoY	0.67% +19.3% YoY	Top 7.8% in tier
Tier 1 Capital Ratio ?	15.38% -0.4% YoY +1.3% QoQ	+0.22%	15.16% +2.0% YoY	16.28% +2.7% YoY	17.06% +0.8% YoY	76%
Non-Interest Income / Assets ?	0.01% -40.3% YoY -82.3% QoQ	-0.24%	0.26% +1.6% YoY	0.18% +27.1% YoY	0.32% +4.1% YoY	Bottom 1.8% in tier

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$250B+

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 (1)

Credit Quality Leader

growth

#71 of 220 • Top 31.8% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.05%

(Tier: 0.89%, National: 0.95%)

better than tier avg

220 of 220 Mid-Market banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (3)

Credit Quality Pressure

risk

#32 of 513 • Bottom 6.0% in tier

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

Why this signature

Delinquency Rate: 0.05%

(Tier: 0.89%, National: 0.95%)

better than tier avg

513 of 513 Mid-Market banks match · 1899 nationally

→ Stable +2 banks QoQ

Credit Risk Growth

risk

#85 of 420 • Bottom 20.0% in tier

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

420 of 420 Mid-Market banks match · 1464 nationally

→ Stable -10 banks QoQ

Liquidity Strain

risk

#151 of 334 • Bottom 44.9% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 98.04%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

334 of 334 Mid-Market banks match · 1013 nationally

→ Stable -50 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 884 peers in $1B-$10B

Top Strengths (4 metrics)

Delinquency Rate

credit_quality

Value: 0.05%

Peer Median: 0.89%

#60 of 880 Top 6.7% in $1B-$10B

Nonperforming Asset Ratio

credit_quality

Value: 0.04%

Peer Median: 0.67%

#70 of 884 Top 7.8% in $1B-$10B

199

Efficiency Ratio

profitability

Value: 50.65%

Peer Median: 61.06%

#199 of 884 Top 22.4% in $1B-$10B

210

Tier 1 Capital Ratio

capital

Value: 15.38%

Peer Median: 15.16%

#210 of 884 Top 23.6% in $1B-$10B

Top Weaknesses (3 metrics)

869

Non-Interest Income / Assets

revenue_mix

Value: 0.01%

Peer Median: 0.26%

#869 of 884 Bottom 1.8% in $1B-$10B

756

Net Interest Margin

profitability

Value: 2.93%

Peer Median: 3.82%

#756 of 884 Bottom 14.6% in $1B-$10B

733

Loan-to-Deposit Ratio

liquidity

Value: 98.04%

Peer Median: 84.20%

#733 of 884 Bottom 17.2% in $1B-$10B