0001558370-25-000474.txt : 20250129 0001558370-25-000474.hdr.sgml : 20250129 20250129091538 ACCESSION NUMBER: 0001558370-25-000474 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 15 CONFORMED PERIOD OF REPORT: 20250129 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20250129 DATE AS OF CHANGE: 20250129 FILER: COMPANY DATA: COMPANY CONFORMED NAME: John Marshall Bancorp, Inc. CENTRAL INDEX KEY: 0001710482 STANDARD INDUSTRIAL CLASSIFICATION: STATE COMMERCIAL BANKS [6022] ORGANIZATION NAME: 02 Finance IRS NUMBER: 815424879 STATE OF INCORPORATION: VA FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-41315 FILM NUMBER: 25566978 BUSINESS ADDRESS: STREET 1: 1943 ISAAC NEWTON SQUARE STREET 2: SUITE 100 CITY: RESTON STATE: VA ZIP: 20190 BUSINESS PHONE: 703-584-0840 MAIL ADDRESS: STREET 1: 1943 ISAAC NEWTON SQUARE STREET 2: SUITE 100 CITY: RESTON STATE: VA ZIP: 20190 8-K 1 jmsb-20250129x8k.htm 8-K

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): January 29, 2025

John Marshall Bancorp, Inc.

(Exact name of registrant as specified in its charter)

Virginia

001-41315

81-5424879

(State or other jurisdiction

of incorporation)

(Commission

File Number)

(IRS Employer

Identification No.)

1943 Isaac Newton Square East, Suite 100

Reston, Virginia 20190

(Address, including zip code, of principal executive offices)

Registrant’s telephone number, including area code: (703) 584-0840

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):


	☐	Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
	☐	Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
	☐	Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
	☐	Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class registered		Trading symbol(s)		Name of each exchange on which registered
Common Stock, par value $0.01 per share		JMSB		The Nasdaq Stock Market LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☒

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☒

Item 2.02 Results of Operations and Financial Condition.

On January 29, 2025, John Marshall Bancorp, Inc. (the “Company”) issued a press release announcing its results of operations and financial condition for the quarter ended December 31, 2024. A copy of the press release is included as Exhibit 99.1 to this report.

Item 9.01 Financial Statements and Exhibits.


(d)		Exhibits



Exhibit No.		Description

99.1		Press release dated January 29, 2025.
104		Cover Page Interactive Data File (embedded within the Inline XBRL document).

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

EX-99.1 2 jmsb-20250129xex99d1.htm EX-99.1

Exhibit 99.1

For Immediate Release

January 29, 2025

Annualized Net Interest Income Increases 27.5%

Balance Sheet Well-Positioned for 2025 Growth

Reston, VA – John Marshall Bancorp, Inc. (Nasdaq: JMSB) (the “Company”), parent company of John Marshall Bank (the “Bank”), reported net income of $4.8 million ($0.33 per diluted common share) for the quarter ended December 31, 2024, compared to net income of $4.2 million ($0.30 per diluted common share) for the quarter ended September 30, 2024 and net income of $4.5 million ($0.32 per diluted common share) for the quarter ended December 31, 2023.

Selected Highlights

●

Significant Increase in Net Interest Income and Margin – For the three months ended December 31, 2024, the Company reported net interest income of $14.1 million, a $912 thousand or 27.5% annualized increase over the $13.2 million reported for the three months ended September 30, 2024. Net interest margin for the three months ended December 31, 2024 was 2.52%, a 22 basis points improvement when compared to the 2.30% net interest margin for the three months ended September 30, 2024 and a 40 basis points improvement when compared to the 2.12% net interest margin for the three months ended December 31, 2023. Net income increased 12.8% or 50.8% annualized when compared to the three months ended September 30, 2024.

●

Earnings Accelerating – Pre-tax pre-provision earnings (Non-GAAP) for the three months ended December 31, 2024 was $6.4 million, representing an increase of $1.3 million or 25.6% when compared to the three months ended December 31, 2023. The Federal Reserve initiated a series of fed funds rate reductions commencing mid-September 2024. Reported net income was $4.8 million for the three months ended December 31, 2024 compared to $4.2 million for the three months ended September 30, 2024 and $4.5 million for the three months ended December 31, 2023. Refer to “Explanation of Non-GAAP Measures” and the “Reconciliation of Certain Non-GAAP Financial Measures” table for further details about financial measures used in this release that were determined by methods other than in accordance with GAAP.

●

Loan Growth – The Company’s loan portfolio grew $29.6 million or 6.4% annualized during the fourth quarter 2024. The strength in the Company’s loan pipeline continued during the fourth quarter with $118.6 million in new loan commitments, which represented a $52.5 million or 79.4% increase compared to the same period in 2023. New loan commitments represent loans closed, but not necessarily fully funded.

●

Excellent Asset Quality – As of December 31, 2024, the Company had no non-accrual loans and no other real estate owned assets (“OREO”). The Company had one loan that was 90 days past due and still accruing interest as of December 31, 2024. The loan paid off, in full, on January 7, 2025. As of the date of this release, the Bank had no non-performing loans, OREO or loans 30 or more days past due. Based upon our loan trial balance as of the date of this earnings release, the Company expects that there will be no loans 30 or more days past due as of January 31, 2025.

●

Robust Capitalization – Each of the Bank’s regulatory capital ratios remained well in excess of the well-capitalized thresholds as of December 31, 2024.

●

Growing Book Value per Share – Book value per share increased from $17.07 as of September 30, 2024 to $17.28 as of December 31, 2024. For 2024, book value per share increased $1.03 or 6.3% from $16.25

as of December 31, 2023 to $17.28 as of December 31, 2024. When factoring in the $0.25 cash dividend per share paid in July 2024, the book value per share return was 7.9%.

Chris Bergstrom, President and Chief Executive Officer, commented, “In the fourth quarter, we continued to make excellent progress, increasing our net interest margin by 22 basis points. We increased loan balances $29.6 million in the fourth quarter. Our unfunded loan commitments continued to grow during the fourth quarter, and we expect these will be a significant component of our 2025 growth as the loans fund. Our capital levels are strong and well in excess of regulatory requirements for well-capitalized banks. Our balance sheet and the Company are well-positioned to pursue growth in 2025. As always, I want to thank our hardworking associates for their inspired efforts in advancing the interests of our customers and the Company.”

Balance Sheet, Liquidity and Credit Quality

Total assets were $2.23 billion at December 31, 2024, $2.27 billion at September 30, 2024, and $2.24 billion at December 31, 2023. Total assets have decreased $39.4 million or 1.7% since September 30, 2024 and decreased $7.6 million or 0.3% since December 31, 2023.

Total loans, net of unearned income, increased $12.2 million or 0.7% to $1.87 billion at December 31, 2024, compared to $1.86 billion at December 31, 2023 and increased $29.6 million during the quarter ended December 31, 2024 or 6.4% annualized from $1.84 billion at September 30, 2024. The increase in loans was primarily attributable to growth in the investor real estate loan portfolio, partially offset by a decrease in the commercial owner-occupied real estate and construction & development loan portfolios. Refer to the Loan, Deposit and Borrowing table for further information.

The carrying value of the Company’s fixed income securities portfolio was $222.3 million at December 31, 2024, $237.5 million at September 30, 2024 and $265.5 million at December 31, 2023. The decrease in carrying value of the Company’s fixed income securities portfolio since December 31, 2023 was attributable to amortization of the portfolio. As of December 31, 2024, 95.5% of our bond portfolio carried the implied guarantee of the United States government or one of its agencies. At December 31, 2024, 62% of the fixed income portfolio was invested in amortizing bonds, which provides the Company with a source of steady cash flow. At December 31, 2024, the fixed income portfolio had an estimated weighted average life of 4.2 years. The available-for-sale portfolio comprised approximately 61% of the fixed income securities portfolio and had a weighted average life of 3.1 years at December 31, 2024. The held-to-maturity portfolio comprised approximately 39% of the fixed income securities portfolio and had a weighted average life of 6.0 years at December 31, 2024. The Company did not purchase or sell any fixed income securities during the three and twelve month periods ended December 31, 2024.

The Company’s balance sheet remains highly liquid. The Company’s liquidity position, defined as the sum of cash, unencumbered securities and available secured borrowing capacity, totaled $727.3 million as of December 31, 2024 compared to $639.0 million as of December 31, 2023 and represented 37.5% and 28.5% of total assets, respectively. In addition to available secured borrowing capacity, the Bank had available federal funds lines of $110.0 million at December 31, 2024.

Total deposits were $1.89 billion at December 31, 2024, $1.94 billion at September 30, 2024 and $1.91 billion at December 31, 2023. During the quarter, total deposits decreased $43.7 million or 2.3% when compared to September 30, 2024. Deposits decreased $14.2 million or 0.7% when compared to December 31, 2023. The Bank reduced costlier deposits (certificates of deposit, Qwickrate CDs, IntraFi CDs, and brokered CDs) by $125.5 million since December 31, 2023. As further detailed in the tables included in this release, core funding sources have increased $39.2 million and wholesale funding sources have decreased $61.3 million since December 31, 2023. As of December 31, 2024, the Company had $659.2 million of deposits that were not insured or not collateralized compared to $634.1 million at December 31, 2023.

On September 3, 2024, the Company paid off its $77.0 million Bank Term Funding Program (“BTFP”) advance and concurrently secured three Federal Home Loan Bank (“FHLB”) advances totaling $56.0 million. The FHLB advances have a weighted average fixed interest rate of 4.01% compared to 4.76% for the retired BTFP advance. Total borrowings as of December 31, 2024 consisted of subordinated debt totaling $24.8 million and the FHLB advances.

Shareholders’ equity increased $16.7 million or 7.3% to $246.6 million at December 31, 2024 compared to $229.9 million at December 31, 2023. Book value per share was $17.28 as of December 31, 2024 compared to $16.25 as of December 31, 2023, an increase of 6.3%. The year-over-year change in book value per share was primarily due to the

Company’s earnings over the previous twelve months and a decrease in accumulated other comprehensive loss. This increase was partially offset by increased cash dividends paid and increased share count from shareholder option exercises and restricted share award issuances. The decrease in accumulated other comprehensive loss was attributable to decreases in unrealized losses on our available-for-sale investment portfolio due to market value increases.

The Bank’s capital ratios remained well above regulatory thresholds for well-capitalized banks. As of December 31, 2024, the Bank’s total risk-based capital ratio was 16.2%, compared to 15.7% at December 31, 2023. As outlined below, the Bank would continue to remain well above regulatory thresholds for well-capitalized banks at December 31, 2024 in the hypothetical scenario where the entire bond portfolio was sold at fair market value and any losses realized (Non-GAAP). Refer to “Explanation of Non-GAAP Measures” and the “Reconciliation of Certain Non-GAAP Financial Measures” table for further details about financial measures used in this release that were determined by methods other than in accordance with GAAP.


Bank Regulatory Capital Ratios (As Reported)
	Well-Capitalized Threshold		December 31, 2024		December 31, 2023
Total risk-based capital ratio	10.0	%	16.2	%	15.7	%
Tier 1 risk-based capital ratio	8.0	%	15.2	%	14.7	%
Common equity tier 1 ratio	6.5	%	15.2	%	14.7	%
Leverage ratio	5.0	%	12.4	%	11.6	%


Adjusted Bank Regulatory Capital Ratios (Hypothetical Scenario of Selling All Bonds at Fair Market Value - Non-GAAP)
	Well-Capitalized Threshold		December 31, 2024		December 31, 2023
Adjusted total risk-based capital ratio	10.0	%	15.3	%	14.7	%
Adjusted tier 1 risk-based capital ratio	8.0	%	14.2	%	13.5	%
Adjusted common equity tier 1 ratio	6.5	%	14.2	%	13.5	%
Adjusted leverage ratio	5.0	%	11.5	%	10.6	%

As of December 31, 2024, the Company had no non-accrual loans and no OREO. The Company experienced net recoveries of $2 thousand during the twelve months ended December 31, 2024. The Company had one loan that was 90 days past due and still accruing interest as of December 31, 2024. The loan paid off, in full, on January 7, 2025. As of the date of this release, the Bank had no non-performing loans, OREO or loans 30 or more days past due. Based upon our loan trial balance as of the date of this earnings release, the Company expects that there will be no loans 30 or more days past due as of January 31, 2025.

At December 31, 2024, the allowance for loan credit losses was $18.7 million or 1.00% of outstanding loans, net of unearned income, compared to $19.5 million or 1.05% of outstanding loans, net of unearned income, at December 31, 2023. The decrease in the allowance as a percentage of outstanding loans, net of unearned income, resulted from changes in the Company’s loss driver analysis and assumptions, changes in the composition of the loan portfolio, improved economic forecasts used in the quantitative portion of the model and considerations of qualitative factors combined with the continued strong credit performance of our loan portfolio segments.

At December 31, 2024, the allowance for credit losses on unfunded loan commitments was $1.1 million compared to $0.6 million at December 31, 2023. The increase in the allowance for credit losses on unfunded loan commitments was primarily the result of increases in unfunded loan commitments.

The Company did not have an allowance for credit losses on held-to-maturity securities as of December 31, 2024 or December 31, 2023. As of December 31, 2024, 93.4% of our held-to-maturity portfolio carried the implied guarantee of the United States Government or one of its agencies.

The Company’s owner occupied and non-owner occupied CRE portfolios continue to be of sound credit quality. The following table provides a detailed breakout of the two aforementioned segments as of December 31, 2024, demonstrating their strong debt-service-coverage and loan-to-value ratios.


Commercial Real Estate
	Owner Occupied							Non-owner Occupied
Asset Class	Weighted Average Loan-to-Value⁽¹⁾		Weighted Average Debt Service Coverage Ratio⁽²⁾		Number of Total Loans		Principal Balance⁽³⁾(Dollars in thousands)	Weighted Average Loan-to-Value⁽¹⁾		Weighted Average Debt Service Coverage Ratio⁽²⁾		Number of Total Loans		Principal Balance⁽³⁾(Dollars in thousands)
Warehouse & Industrial	49.8	%	3.5	x	53	$	66,679	50.1	%	2.6	x	45	$	115,497
Office	57.6	%	3.7	x	137		83,161	47.7	%	2.0	x	56		111,788
Retail	57.1	%	3.5	x	40		69,597	64.3	%	1.9	x	146		455,534
Church	27.7	%	2.6	x	18		30,918	- -		- -		- -		- -
Hotel/Motel	- -		- -		- -		- -	59.7	%	1.6	x	9		52,429
Other⁽⁴⁾	40.5	%	3.6	x	37		78,666	53.2	%	1.9	x	8		21,925
Total					285	$	329,021					264	$	757,173

(1)	Loan-to-value is determined at origination date and is divided by principal balance as of December 31, 2024.

(2)

The debt service coverage ratio (“DSCR”) is calculated from the primary source of repayment for the loan. Owner occupied DSCR’s are derived from cash flows from the owner occupant’s business, property and their guarantors, while non-owner occupied DSCR’s are derived from the net operating income of the property.

(3)	Principal balance excludes deferred fees or costs.

(4)	Other asset class is primarily comprised of schools, daycares and country clubs.

Income Statement Review

Quarterly Results

The Company reported net income of $4.8 million for the fourth quarter of 2024, an increase of $274 thousand or 6.1% when compared to the fourth quarter of 2023.

Net interest income for the fourth quarter of 2024 increased $2.0 million or 17.0% compared to the fourth quarter of 2023, driven primarily by the increase in yield on interest-earning assets, the increase in non-interest bearing deposit balances, and the decrease in interest-bearing deposit balances. The annualized net interest margin and tax-equivalent net interest margin (Non-GAAP) for the three months ended December 31, 2024 were both 2.52%, as compared to 2.11% and 2.12%, respectively, for the same period in the prior year. The increase in net interest margin was primarily due to the increase in yields on the Company’s interest-earning assets coupled with a decrease in cost of interest-bearing liabilities.

The yield on interest earning assets was 5.01% for the fourth quarter of 2024 compared to 4.68% for the same period in 2023. The increase in yield on interest earning assets was primarily due to higher yields on the Company’s loan portfolio as a result of repricing of assets subsequent to the fourth quarter of 2023 and certain prepayment penalties. The cost of interest-bearing liabilities was 3.62% for the fourth quarter of 2024 compared to 3.64% for the same quarter in the prior year. The decrease in the cost of interest-bearing liabilities was primarily due to the decrease in the cost of interest-bearing deposits.

The Company recorded a $298 thousand provision for credit losses for the fourth quarter of 2024 compared to a release of provision for credit losses of $781 thousand for the fourth quarter of 2023. The provision for credit losses during the fourth quarter of 2024 was primarily a result of growth in the loan portfolio of $29.6 million during the quarter.

Non-interest income was $281 thousand for the fourth quarter of 2024 compared to $624 thousand for the fourth quarter of 2023. The decrease in non-interest income of $343 thousand was primarily attributable to a decrease of $267 thousand due to unfavorable mark-to-market adjustments on investments related to the Company’s nonqualified deferred compensation plan (“NQDC”) and a $70 thousand decrease in gains recorded on the sale of the guaranteed portion of SBA 7(a) loans due to decreased sale activity.

Non-interest expense increased $391 thousand or 5.2% during the fourth quarter of 2024 compared to the fourth quarter of 2023. The increase was primarily due to increases in salary and employee benefit expense and other expense, partially offset by lower occupancy expense. The increase was also attributable to franchise tax fees, professional fees, marketing fees and data processing expense. The increase in professional fees was due to increased contract costs and services. The increase in data processing fees was primarily due to contractual increases and volume-based activity. The decrease in occupancy expense was due to renegotiating an office lease. The Company continues to analyze cost savings opportunities on existing leases and material contracts.

For the three months ended December 31, 2024, annualized non-interest expense to average assets was 1.41% compared to 1.31% for the three months ended December 31 2023. The increase was primarily due to lower average assets when comparing the two periods.

For the three months ended December 31, 2024, the annualized efficiency ratio was 55.4% compared to 59.7% for the three months ended December 31, 2023. The decrease was primarily due to an increase in net interest income.

Year-End Results

The Company reported net income of $17.1 million for the twelve months ended December 31, 2024, an increase of $12.0 million when compared to net income of $5.2 million for the twelve months ended December 31, 2023. This increase was primarily attributable to the previously disclosed restructuring of the Company’s securities portfolio and surrender of bank owned life insurance (“BOLI”) in July 2023, which resulted in a non-recurring, after tax loss of $14.6 million (the “Restructuring”). Core net income (Non-GAAP), which excludes the impact of the Restructuring, was $19.8 million for the twelve months ended December 31, 2023.

Net interest income for the twelve months ended December 31, 2024 increased $0.6 million or 1.1% compared to the same period of 2023, driven primarily by the increase in yield of interest-bearing assets outpacing the increase in cost on interest-earning liabilities. The yield on interest earning assets was 4.92% for the twelve months ended December 31, 2024 compared to 4.41% for the same period in 2023. The increase in yield on interest earning assets was primarily due to higher yields on the Company’s loans and interest-bearing deposits in banks as a result of elevated interest rates and repricing of assets subsequent to the fourth quarter of 2023. The cost of interest-bearing liabilities was 3.78% for the twelve months ended December 31, 2024 compared to 3.08% for the twelve months ended December 31, 2023. The increase in the cost of interest-bearing liabilities was primarily due to a 71 basis points increase in the cost of interest-bearing deposits as a result of the repricing of the Company’s time deposits coupled with an increase in rates offered on money market, NOW and savings deposit accounts since the fourth quarter of 2023. The annualized net interest margin and tax-equivalent net interest margin (Non-GAAP) for the twelve month ended December 31, 2024 were both 2.28%, as compared to 2.20% and 2.21%, respectively, for the same period in the prior year. The increase in net interest margin was primarily due to the increase in yields on the Company’s interest-earning assets outpacing the increase in cost of interest-bearing deposits.

The Company recorded a $0.4 million release of provision for credit losses for the twelve months ended December 31, 2024 compared to $3.3 million release of provision for credit losses for the twelve months ended December 31, 2023. The release of provision for credit losses during the twelve months ended December 31, 2024 was primarily a result of changes in the composition and volume of the loan portfolio, improved economic forecasts used in the quantitative portion of the model and considerations of qualitative factors combined with the continued strong credit performance of our loan portfolio segments.

Non-interest income was $2.3 million for the twelve months ended December 31, 2024 compared to a loss of $14.9 million for the twelve months ended December 31, 2023. Core non-interest income (Non-GAAP), defined as reported non-interest income excluding the impact of the Restructuring, was $2.2 million for the twelve months ended December 31, 2023.

Non-interest expense increased $994 thousand or 3.2% during the twelve months ended December 31, 2024 compared to the same period in 2023. As previously disclosed, the increase was primarily due to the non-recurring $322 thousand reversal of a litigation reserve during the third quarter of 2023 and non-recurring expenses totaling $138 thousand incurred during the first quarter of 2024. The first quarter 2024 non-recurring expenses were incurred in connection with a strategic opportunity that was explored and ultimately did not materialize. Excluding the effects of the $322 thousand reversal in 2023 and non-recurring expenses totaling $138 thousand incurred during 2024, adjusted non-interest expense increased $535 thousand or 1.6% during the twelve months ended December 31, 2024 when compared to the twelve months ended December 31, 2023. The increase was also due to increases in professional fees and data processing expense, partially offset by lower salaries and employee benefit expense. The increase in professional fees was due to increased contract costs and services. The increase in data processing fees was primarily due to contractual increases and volume based activity. The decrease in salaries and employee benefits was due to lower incentive accruals and higher direct loan origination costs when compared to the same period of the prior year, partially offset by higher deferred compensation expense as a result of mark-to-market fluctuations on the Company’s NQDC.

For the twelve months ended December 31, 2024, annualized non-interest expense to average assets was 1.41% compared to 1.33% for the twelve months ended December 31, 2023. The increase was primarily due to higher reported non-interest expense of $994 thousand and lower average assets when comparing the two periods.

For the twelve months ended December 31, 2024, the annualized efficiency ratio was 59.7% compared to 86.7% for the twelve months ended December 31, 2023. The decrease was primarily due to the previously disclosed Restructuring in July 2023. The annualized core efficiency ratio (Non-GAAP) was 59.7% for the twelve months ended December 31, 2024, compared to 58.5% for the twelve months ended December 31, 2023. The increase in core efficiency ratio was primarily due to a decrease in net interest income.

Explanation of Non-GAAP Financial Measures

This release contains financial information determined by methods other than in accordance with GAAP. Management believes that the supplemental Non-GAAP information provides a better comparison of period-to-period operating performance and the impact of non-recurring expenses and unrealized losses in the Company’s bond portfolio on the Bank’s regulatory capital ratios. Additionally, the Company believes this information is utilized by regulators and market analysts to evaluate a company’s financial condition and therefore, such information is useful to investors. Non-GAAP measures used in this release consist of the following:

●

Tax-equivalent net interest margin reflects adjustments for differences in tax treatment of interest income sources;

●

Adjusted Bank regulatory capital ratios in the hypothetical scenario where the entire bond portfolio was sold at fair market value and any losses realized;

●

Pre-tax, pre-provision earnings excludes income tax expense and the provision for (recovery of) credit losses; and

●

Core non-interest income, income before taxes, income tax expense, net income, earnings per share (basic and diluted), return on average assets (annualized), return on average equity (annualized), non-interest income as a percentage of average assets (annualized) and efficiency ratio excluding the impact of losses recognized in July 2023 on the sale of available-for-sale securities and taxes paid on the early surrender of BOLI policies in the Restructuring.

These disclosures should not be viewed as a substitute for, or more important than, financial results in accordance with GAAP, nor are they necessarily comparable to Non-GAAP performance measures which may be presented by other companies. Please refer to the Reconciliation of Certain Non-GAAP Financial Measures table and Average Balance Sheets, Interest and Rates tables for the respective periods for a reconciliation of these Non-GAAP measures to the most directly comparable GAAP measure.

About John Marshall Bancorp, Inc.

John Marshall Bancorp, Inc. is the bank holding company for John Marshall Bank. The Bank is headquartered in Reston, Virginia with eight full-service branches located in Alexandria, Arlington, Loudoun, Prince William, Reston, and Tysons, Virginia, as well as Rockville, Maryland, and Washington, D.C. The Bank is dedicated to providing exceptional value, personalized service and convenience to local businesses and professionals in the Washington, D.C. Metropolitan area. The Bank offers a comprehensive line of sophisticated banking products and services that rival those of the largest banks along with experienced staff to help achieve customers’ financial goals. Dedicated relationship managers serve as direct points-of-contact, providing subject matter expertise in a variety of niche industries including charter and private schools, government contractors, health services, nonprofits and associations, professional services, property management companies and title companies. Learn more at www.johnmarshallbank.com.

Cautionary Note Regarding Forward-Looking Statements

In addition to historical information, this press release contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 that are based on certain assumptions and describe future plans, strategies and expectations of the Company. These forward-looking statements are generally identified by use of the words “believe,” “expect,” “intend,” “anticipate,” “estimate,” “project,” “will,” “should,” “may,” “view,” “opportunity,” “potential,” or similar expressions or expressions of confidence. Our ability to predict results or the actual effect of future plans or strategies is inherently uncertain. Factors which could have a material adverse effect on the operations of the Company and the Bank include, but are not limited to, the following: the concentration of our business in the Washington, D.C. metropolitan area and the effect of changes in the economic, political and environmental conditions on this market; adequacy of our allowance for loan credit losses; allowance for unfunded commitments credit losses, and allowance for credit losses associated with our held-to-maturity and available-for-sale securities portfolios; deterioration of our asset quality; future performance of our loan portfolio with respect to recently originated loans; the level of prepayments on loans and mortgage-backed securities; liquidity, interest rate and operational risks associated with our business; changes in our financial condition or results of operations that reduce capital; our ability to maintain existing deposit relationships or attract new deposit relationships; changes in consumer spending, borrowing and savings habits; inflation and changes in interest rates that may reduce our margins or reduce the fair value of financial instruments; changes in the monetary and fiscal policies of the U.S. Government, including policies of the U.S. Treasury and the Board of Governors of the Federal Reserve System; additional risks related to new lines of business, products, product enhancements or services; increased competition with other financial institutions and fintech companies; adverse changes in the securities markets; changes in the financial condition or future prospects of issuers of securities that we own; our ability to maintain an effective risk management framework; changes in laws or government regulations or policies affecting financial institutions, including changes in regulatory structure and in regulatory fees and capital requirements; compliance with legislative or regulatory requirements; results of examination of us by our regulators, including the possibility that our regulators may require us to increase our allowance for credit losses or to write-down assets or take similar actions; potential claims, damages, and fines related to litigation or government actions; the effectiveness of our internal controls over financial reporting and our ability to remediate any future material weakness in our internal controls over financial reporting; geopolitical conditions, including acts or threats of terrorism and/or military conflicts, or actions taken by the U.S. or other governments in response to acts or threats of terrorism and/or military conflicts, negatively impacting business and economic conditions in the U.S. and abroad; the effects of weather-related or natural disasters, which may negatively affect our operations and/or our loan portfolio and increase our cost of conducting business; public health events (such as the COVID-19 pandemic) and governmental and societal responses thereto; technological risks and developments, and cyber threats, attacks, or events; the additional requirements of being a public company; changes in accounting policies and practices; our ability to successfully capitalize on growth opportunities; our ability to retain key employees; deteriorating economic conditions, either nationally or in our market area, including higher unemployment and lower real estate values; implications of our status as a smaller reporting company and as an emerging growth company; and other factors discussed in the Company’s reports (such as our Annual Report on Form 10-K, Quarterly Reports on Form 10-Q and Current Reports on Form 8-K) filed with the Securities and Exchange Commission. These risks and uncertainties should be considered in evaluating forward-looking statements and undue reliance should not be placed on such statements. The Company does not undertake, and specifically disclaims any obligation, to publicly release the result of any revisions which may be made to any forward-looking statements to reflect events or circumstances after the date of such statements or to reflect the occurrence of anticipated or unanticipated events.

Annualized, pro forma, projected and estimated numbers are used for illustrative purpose only, are not forecasts and may not reflect actual results.

# # #


John Marshall Bancorp, Inc.

Financial Highlights (Unaudited)
(Dollar amounts in thousands, except per share data)

	At or For the Three Months Ended						At or For the Twelve Months Ended
		December 31,						December 31,
	2024			2023			2024			2023
Selected Balance Sheet Data
Cash and cash equivalents	$	122,469		$	99,005		$	122,469		$	99,005
Total investment securities		232,732			273,302			232,732			273,302
Loans, net of unearned income		1,872,173			1,859,967			1,872,173			1,859,967
Allowance for loan credit losses		18,715			19,543			18,715			19,543
Total assets		2,234,947			2,242,549			2,234,947			2,242,549
Non-interest bearing demand deposits		433,288			411,374			433,288			411,374
Interest bearing deposits		1,459,127			1,495,226			1,459,127			1,495,226
Total deposits		1,892,415			1,906,600			1,892,415			1,906,600
Federal funds purchased		- -			10,000			- -			10,000
Federal Home Loan Bank advances		56,000			- -			56,000			-
Federal Reserve Bank borrowings		- -			54,000			- -			54,000
Shareholders' equity		246,614			229,914			246,614			229,914

Summary Results of Operations
Interest income	$	27,995		$	26,598		$	110,133		$	100,770
Interest expense		13,929			14,571			59,086			50,286
Net interest income		14,066			12,027			51,047			50,484
Provision for (recovery of) credit losses		298			(781)			(370)			(3,252)
Net interest income after provision for (recovery of) credit losses		13,768			12,808			51,417			53,736
Non-interest income (loss)		281			624			2,271			(14,940)
Core non-interest income⁽¹⁾		281			624			2,271			2,174
Non-interest expense		7,945			7,554			31,809			30,815
Income before income taxes		6,104			5,878			21,879			7,981
Core income before income taxes⁽¹⁾		6,104			5,878			21,879			25,095
Net income		4,776			4,502			17,121			5,158
Core net income⁽¹⁾		4,776			4,502			17,121			19,779

Per Share Data and Shares Outstanding
Earnings per share - basic	$	0.34		$	0.32		$	1.20		$	0.36
Core earnings per share - basic⁽¹⁾	$	0.34		$	0.32		$	1.20		$	1.40
Earnings per share - diluted	$	0.33		$	0.32		$	1.20		$	0.36
Core earnings per share - diluted⁽¹⁾	$	0.33		$	0.32		$	1.20		$	1.39
Book value per share	$	17.28		$	16.25		$	17.28		$	16.25
Weighted average common shares (basic)		14,196,309			14,082,762			14,172,166			14,115,492
Weighted average common shares (diluted)		14,224,287			14,145,607			14,206,109			14,185,760
Common shares outstanding at end of period		14,269,469			14,148,533			14,269,469			14,148,533

Performance Ratios
Return on average assets (annualized)		0.85	%		0.78	%		0.76	%		0.22	%
Core return on average assets (annualized)⁽¹⁾		0.85	%		0.78	%		0.76	%		0.85	%
Return on average equity (annualized)		7.71	%		7.91	%		7.16	%		2.32	%
Core return on average equity (annualized)⁽¹⁾		7.71	%		7.91	%		7.16	%		8.91	%
Net interest margin		2.52	%		2.12	%		2.28	%		2.20	%
Tax-equivalent net interest margin (Non-GAAP)		2.52	%		2.12	%		2.28	%		2.21	%
Non-interest income (loss) as a percentage of average assets (annualized)		0.05	%		0.11	%		0.10	%		(0.64)	%
Core non-interest income as a percentage of average assets (annualized)⁽¹⁾		0.05	%		0.11	%		0.10	%		0.09	%
Non-interest expense to average assets (annualized)		1.41	%		1.31	%		1.41	%		1.33	%
Efficiency ratio		55.4	%		59.7	%		59.7	%		86.7	%
Core efficiency ratio⁽¹⁾		55.4	%		59.7	%		59.7	%		58.5	%

Asset Quality
Non-performing assets to total assets		0.45	%		- -	%		0.45	%		- -	%
Non-performing loans to total loans		0.53	%		- -	%		0.53	%		- -	%
Allowance for loan credit losses to non-performing loans		N/M			N/M			N/M			N/M
Allowance for loan credit losses to total loans		1.00	%		1.05	%		1.00	%		1.05	%
Net charge-offs (recoveries) to average loans (annualized)		0.00	%		0.00	%		0.00	%		0.00	%

Loans 30-89 days past due and accruing interest	$	- -		$	- -		$	- -		$	- -
90 days past due and still accruing interest		9,978			- -			9,978			- -
Non-accrual loans		- -			- -			- -			- -
Other real estate owned		- -			- -			- -			- -
Non-performing assets⁽²⁾		9,978			- -			9,978			- -

Capital Ratios (Bank Level)
Equity / assets		11.9	%		11.1	%		11.9	%		11.1	%
Total risk-based capital ratio		16.2	%		15.7	%		16.2	%		15.7	%
Tier 1 risk-based capital ratio		15.2	%		14.7	%		15.2	%		14.7	%
Common equity tier 1 ratio		15.2	%		14.7	%		15.2	%		14.7	%
Leverage ratio		12.4	%		11.6	%		12.4	%		11.6	%

Other Information
Number of full time equivalent employees		132			134			132			134
# Full service branch offices		8			8			8			8

(1)	Non-GAAP financial measure. Refer to “Reconciliation of Certain Non-GAAP Financial Measures” for further details.

(2)	Non-performing assets consist of non-accrual loans, loans 90 days or more past due and still accruing interest and other real estate owned.


John Marshall Bancorp, Inc.

Consolidated Balance Sheets
(Dollar amounts in thousands, except per share data)

							% Change
	December 31,		September 30,		December 31,		Last Three		Year Over
	2024		2024		2023		Months		Year
Assets	(Unaudited)		(Unaudited)		*
Cash and due from banks	$	5,945	$	8,164	$	7,424	(27.2)	%	(19.9)	%
Interest-bearing deposits in banks		116,524		169,063		91,581	(31.1)	%	27.2	%
Securities available-for-sale, at fair value		130,257		144,649		169,993	(9.9)	%	(23.4)	%
Securities held-to-maturity at amortized cost, fair value of $76,270, $79,731, and $79,532 at 12/31/2024, 09/30/2024, and 12/31/2023, respectively.		92,009		92,863		95,505	(0.9)	%	(3.7)	%
Restricted securities, at cost		7,634		7,630		5,012	0.1	%	52.3	%
Equity securities, at fair value		2,832		2,698		2,792	5.0	%	1.4	%
Loans, net of unearned income		1,872,173		1,842,598		1,859,967	1.6	%	0.7	%
Allowance for loan credit losses		(18,715)		(18,481)		(19,543)	1.3	%	(4.2)	%
Net loans		1,853,458		1,824,117		1,840,424	1.6	%	0.7	%
Bank premises and equipment, net		1,318		1,179		1,281	11.8	%	2.9	%
Accrued interest receivable		5,996		5,657		6,110	6.0	%	(1.9)	%
Right of use assets		5,013		3,824		4,176	31.1	%	20.0	%
Other assets		13,961		14,519		18,251	(3.8)	%	(23.5)	%
Total assets	$	2,234,947	$	2,274,363	$	2,242,549	(1.7)	%	(0.3)	%

Liabilities and Shareholders' Equity

Liabilities
Deposits:
Non-interest bearing demand deposits	$	433,288	$	472,422	$	411,374	(8.3)	%	5.3	%
Interest-bearing demand deposits		705,097		685,385		607,971	2.9	%	16.0	%
Savings deposits		44,367		43,779		52,061	1.3	%	(14.8)	%
Time deposits		709,663		734,564		835,194	(3.4)	%	(15.0)	%
Total deposits		1,892,415		1,936,150		1,906,600	(2.3)	%	(0.7)	%
Federal funds purchased		- -		- -		10,000	N/M	%	(100.0)	%
Federal Home Loan Bank advances		56,000		56,000		- -	- -	%	N/M
Federal Reserve Bank borrowings		- -		- -		54,000	N/M	%	(100.0)	%
Subordinated debt, net		24,791		24,770		24,708	0.1	%	0.3	%
Accrued interest payable		2,394		2,304		4,559	3.9	%	(47.5)	%
Lease liabilities		5,369		4,090		4,446	31.3	%	20.8	%
Other liabilities		7,364		7,931		8,322	(7.1)	%	(11.5)	%
Total liabilities		1,988,333		2,031,245		2,012,635	(2.1)	%	(1.2)	%

Shareholders' Equity
Preferred stock, par value $0.01 per share; authorized 1,000,000 shares; none issued		- -		- -		- -	N/M		N/M
Common stock, nonvoting, par value $0.01 per share; authorized 1,000,000 shares; none issued		- -		- -		- -	N/M		N/M
Common stock, voting, par value $0.01 per share; authorized 30,000,000 shares; issued and outstanding, 14,269,469 at 12/31/24 including 54,388 unvested shares, issued and outstanding, 14,238,677 at 9/30/2024 including 45,753 unvested shares, and issued and outstanding, 14,148,533 at 12/31/2023 including 47,318 unvested shares		142		142		141	- -	%	0.7	%
Additional paid-in capital		97,173		97,017		95,636	0.2	%	1.6	%
Retained earnings		159,951		155,174		146,388	3.1	%	9.3	%
Accumulated other comprehensive loss		(10,652)		(9,215)		(12,251)	15.6	%	(13.1)	%
Total shareholders' equity		246,614		243,118		229,914	1.4	%	7.3	%
Total liabilities and shareholders' equity	$	2,234,947	$	2,274,363	$	2,242,549	(1.7)	%	(0.3)	%

* Derived from audited consolidated financial statements.


John Marshall Bancorp, Inc.

Consolidated Statements of Income
(Dollar amounts in thousands, except per share data)

	Three Months Ended						Twelve Months Ended
	December 31						December 31
	2024		2023		% Change		2024		2023		% Change
	(Unaudited)		(Unaudited)				(Unaudited)		(Unaudited)
Interest and Dividend Income
Interest and fees on loans	$	25,044	$	23,080	8.5	%	$	96,332	$	86,435	11.5	%
Interest on investment securities, taxable		1,091		1,310	(16.7)	%		4,692		7,206	(34.9)	%
Interest on investment securities, tax-exempt		9		9	0.0	%		36		53	(32.1)	%
Dividends		128		78	64.1	%		391		300	30.3	%
Interest on deposits in other banks		1,723		2,121	(18.8)	%		8,682		6,776	28.1	%
Total interest and dividend income		27,995		26,598	5.3	%		110,133		100,770	9.3	%

Interest Expense
Deposits		13,008		13,577	(4.2)	%		54,492		47,168	15.5	%
Federal funds purchased		- -		5	(100.0)	%		2		15	(86.7)	%
Federal Home Loan Bank advances		572		- -	N/M			745		67	N/M
Federal Reserve Bank borrowings		- -		640	(100.0)	%		2,451		1,640	49.5	%
Subordinated debt		349		349	--	%		1,396		1,396	--	%
Total interest expense		13,929		14,571	(4.4)	%		59,086		50,286	17.5	%

Net interest income		14,066		12,027	17.0	%		51,047		50,484	1.1	%

Provision for (recovery of) Credit Losses		298		(781)	(138.2)	%		(370)		(3,252)	(88.6)	%

Net interest income after provision for (recovery of) credit losses		13,768		12,808	7.5	%		51,417		53,736	(4.3)	%

Non-interest Income
Service charges on deposit accounts		89		91	(2.2)	%		349		330	5.8	%
Bank owned life insurance		- -		- -	- -			- -		224	N/M
Other service charges and fees		181		161	12.4	%		655		838	(21.8)	%
Losses on sale of available-for-sale securities		- -		- -	- -	%		- -		(17,316)	N/M
Insurance commissions		59		76	(22.4)	%		416		386	7.8	%
Gain on sale of government guaranteed loans		11		81	(86.4)	%		520		131	N/M
Non-qualified deferred compensation plan asset gains (loss), net		(62)		205	(130.2)	%		236		317	(25.6)	%
Other income		3		10	(70.0)	%		95		150	(36.7)	%
Total non-interest income (loss)		281		624	(55.0)	%		2,271		(14,940)	(115.2)

Non-interest Expenses
Salaries and employee benefits		4,658		4,507	3.4	%		19,240		19,436	(1.0)	%
Occupancy expense of premises		417		448	(6.9)	%		1,760		1,811	(2.8)	%
Furniture and equipment expenses		319		296	7.8	%		1,220		1,178	3.6	%
Other expenses		2,551		2,303	10.8	%		9,589		8,390	14.3	%
Total non-interest expenses		7,945		7,554	5.2	%		31,809		30,815	3.2	%

Income before income taxes		6,104		5,878	3.8	%		21,879		7,981	174.1	%

Income Tax Expense		1,328		1,376	(3.5)	%		4,758		2,823	68.5	%

Net income	$	4,776	$	4,502	6.1	%	$	17,121	$	5,158	231.9	%

Earnings Per Share
Basic	$	0.34	$	0.32	6.3	%	$	1.20	$	0.36	233.3	%
Diluted	$	0.33	$	0.32	3.1	%	$	1.20	$	0.36	233.3	%


John Marshall Bancorp, Inc.

Historical Trends - Quarterly Financial Data (Unaudited)
(Dollar amounts in thousands, except per share data)

	2024												2023
	December 31			September 30			June 30				March 31		December 31			September 30			June 30			March 31
Profitability for the Quarter:
Interest income	$	27,995		$	28,428		$	26,791		$	26,919		$	26,598		$	26,263		$	24,455		$	23,453
Interest expense		13,929			15,272			14,710			15,175			14,571			14,284			12,446			8,984
Net interest income		14,066			13,156			12,081			11,744			12,027			11,979			12,009			14,469
Provision for (recovery of) credit losses		298			400			(292)			(776)			(781)			(829)			(868)			(774)
Non-interest income (loss)		281			617			555			818			624			(16,815)			685			566
Non-interest expenses		7,945			8,031			7,909			7,924			7,554			7,660			7,831			7,770
Income (loss) before income taxes		6,104			5,342			5,019			5,414			5,878			(11,667)			5,731			8,039
Income tax expense (benefit)		1,328			1,107			1,114			1,210			1,376			(1,530)			1,241			1,735
Net income (loss)	$	4,776		$	4,235		$	3,905		$	4,204		$	4,502		$	(10,137)		$	4,490		$	6,304

Financial Performance:
Return on average assets (annualized)		0.85	%		0.73	%		0.70	%		0.75	%		0.78	%		(1.73)	%		0.77	%		1.10	%
Return on average equity (annualized)		7.71	%		7.00	%		6.68	%		7.23	%		7.91	%		(18.24)	%		8.13	%		11.83	%
Net interest margin		2.52	%		2.30	%		2.19	%		2.10	%		2.11	%		2.07	%		2.09	%		2.56	%
Tax-equivalent net interest margin (Non-GAAP)		2.52	%		2.30	%		2.19	%		2.11	%		2.12	%		2.08	%		2.10	%		2.57	%
Non-interest income (loss) as a percentage of average assets (annualized)		0.05	%		0.11	%		0.10	%		0.15	%		0.11	%		(2.86)	%		0.12	%		0.10	%
Non-interest expense to average assets (annualized)		1.41	%		1.39	%		1.42	%		1.41	%		1.31	%		1.30	%		1.34	%		1.35	%
Efficiency ratio		55.4	%		58.3	%		62.6	%		63.1	%		59.7	%		(158.4)	%		61.7	%		51.7	%

Per Share Data:
Earnings (loss) per share - basic	$	0.34		$	0.30		$	0.27		$	0.30		$	0.32		$	(0.72)		$	0.32		$	0.45
Earnings (loss) per share - diluted	$	0.33		$	0.30		$	0.27		$	0.30		$	0.32		$	(0.72)		$	0.32		$	0.44
Book value per share	$	17.28		$	17.07		$	16.54		$	16.51		$	16.25		$	15.61		$	15.50		$	15.63
Dividends declared per share	$	- -		$	- -		$	0.25		$	- -		$	- -		$	- -		$	0.22		$	- -
Weighted average common shares (basic)		14,196,309			14,187,691			14,173,245			14,130,986			14,082,762			14,080,026			14,077,658			14,067,047
Weighted average common shares (diluted)		14,224,287			14,214,586			14,200,171			14,181,254			14,145,607			14,080,026			14,143,253			14,156,724
Common shares outstanding at end of period		14,269,469			14,238,677			14,229,853			14,209,606			14,148,533			14,126,084			14,126,138			14,125,208

Non-interest Income:
Service charges on deposit accounts	$	89		$	84		$	88		$	88		$	91		$	85		$	82		$	72
Bank owned life insurance		- -			- -			- -			- -			- -			23			101			100
Other service charges and fees		181			160			165			149			161			160			314			203
Losses on sale of available-for-sale securities		- -			- -			- -			- -			- -			(17,114)			- -			(202)
Insurance commissions		59			64			40			252			76			54			50			206
Gain on sale of government guaranteed loans		11			160			216			133			81			27			23			- -
Non-qualified deferred compensation plan asset gains (losses), net		(62)			139			35			124			205			(60)			83			89
Other income		3			10			11			72			10			10			32			98
Total non-interest income (loss)	$	281		$	617		$	555		$	818		$	624		$	(16,815)		$	685		$	566

Non-interest Expenses:
Salaries and employee benefits	$	4,658		$	4,897		$	4,875		$	4,810		$	4,507		$	5,052		$	4,965		$	4,912
Occupancy expense of premises		417			444			448			451			448			445			448			470
Furniture and equipment expenses		319			304			301			297			296			282			304			296
Other expenses		2,551			2,386			2,285			2,366			2,303			1,881			2,114			2,092
Total non-interest expenses	$	7,945		$	8,031		$	7,909		$	7,924		$	7,554		$	7,660		$	7,831		$	7,770

Balance Sheets at Quarter End:
Total loans, net of unearned income	$	1,872,173		$	1,842,598		$	1,827,187		$	1,825,931		$	1,859,967		$	1,820,132		$	1,769,801		$	1,771,272
Allowance for loan credit losses		(18,715)			(18,481)			(18,433)			(18,671)			(19,543)			(20,036)			(20,629)			(21,619)
Investment securities		232,732			247,840			249,582			261,341			273,302			272,881			429,954			445,785
Interest-earning assets		2,221,429			2,259,501			2,249,350			2,234,592			2,224,850			2,278,027			2,315,368			2,312,404
Total assets		2,234,947			2,274,363			2,269,757			2,251,837			2,242,549			2,298,202			2,364,250			2,351,307
Total deposits		1,892,415			1,936,150			1,912,840			1,900,990			1,906,600			1,981,623			2,046,309			2,088,642
Total interest-bearing liabilities		1,539,918			1,544,498			1,577,420			1,598,050			1,583,934			1,622,430			1,691,044			1,665,837
Total shareholders' equity		246,614			243,118			235,346			234,550			229,914			220,567			218,970			220,823

Quarterly Average Balance Sheets:
Total loans, net of unearned income	$	1,838,526		$	1,818,472		$	1,810,722		$	1,835,966		$	1,837,855		$	1,790,720		$	1,767,831		$	1,772,922
Investment securities		243,329			249,354			255,940			270,760			273,264			310,407			441,778			463,254
Interest-earning assets		2,223,725			2,277,427			2,222,658			2,247,620			2,260,356			2,301,642			2,305,050			2,295,677
Total assets		2,238,062			2,292,385			2,239,261			2,264,544			2,280,060			2,331,403			2,344,712			2,334,695
Total deposits		1,893,976			1,939,601			1,883,010			1,914,173			1,956,039			2,012,934			2,051,702			2,066,139
Total interest-bearing liabilities		1,532,452			1,573,631			1,551,953			1,600,197			1,587,179			1,660,980			1,667,597			1,621,131
Total shareholders' equity		246,525			240,609			235,136			233,952			225,718			220,473			221,608			220,282

Financial Measures:
Average equity to average assets		11.0	%		10.5	%		10.5	%		10.3	%		9.9	%		9.5	%		9.5	%		9.4	%
Investment securities to earning assets		10.5	%		11.0	%		11.1	%		11.7	%		12.3	%		12.0	%		18.6	%		19.3	%
Loans to earning assets		84.3	%		81.5	%		81.2	%		81.7	%		83.6	%		79.9	%		76.4	%		76.6	%
Loans to assets		83.8	%		81.0	%		80.5	%		81.1	%		82.9	%		79.2	%		74.9	%		75.3	%
Loans to deposits		98.9	%		95.2	%		95.5	%		96.1	%		97.6	%		91.9	%		86.5	%		84.8	%

Capital Ratios (Bank Level):
Equity / assets		11.9	%		11.6	%		11.4	%		11.3	%		11.1	%		10.6	%		10.2	%		10.3	%
Total risk-based capital ratio		16.2	%		16.3	%		16.4	%		16.1	%		15.7	%		15.7	%		16.1	%		16.1	%
Tier 1 risk-based capital ratio		15.2	%		15.3	%		15.4	%		15.1	%		14.7	%		14.6	%		15.0	%		14.9	%
Common equity tier 1 ratio		15.2	%		15.3	%		15.4	%		15.1	%		14.7	%		14.6	%		15.0	%		14.9	%
Leverage ratio		12.4	%		11.9	%		12.2	%		11.8	%		11.6	%		11.3	%		11.6	%		11.5	%


John Marshall Bancorp, Inc.

Loan, Deposit and Borrowing Detail (Unaudited)
(Dollar amounts in thousands)

	2024																2023
	December 31				September 30				June 30				March 31				December 31				September 30				June 30				March 31
Loans		$ Amount	% of Total			$ Amount	% of Total			$ Amount	% of Total			$ Amount	% of Total		$ Amount		% of Total		$ Amount		% of Total		$ Amount		% of Total		$ Amount		% of Total
Commercial business loans	$	47,612	2.5	%	$	39,741	2.2	%	$	41,806	2.3	%	$	42,779	2.3	%	$	45,073	2.4	%	$	37,793	2.1	%	$	40,156	2.3	%	$	41,204	2.3	%
Commercial PPP loans		124	0.0	%		126	0.0	%		127	0.0	%		129	0.0	%		131	0.0	%		132	0.0	%		133	0.0	%		135	0.0	%
Commercial owner-occupied real estate loans		329,222	17.6	%		343,906	18.7	%		349,644	19.2	%		356,335	19.6	%		360,102	19.4	%		363,017	20.0	%		360,859	20.4	%		363,495	20.6	%
Total business loans		376,958	20.2	%		383,773	20.9	%		391,577	21.5	%		399,243	21.9	%		405,306	21.8	%		400,942	22.1	%		401,148	22.7	%		404,834	22.9	%

Investor real estate loans		757,173	40.5	%		726,771	39.5	%		722,419	39.6	%		692,418	38.0	%		689,556	37.1	%		683,686	37.6	%		654,623	37.0	%		660,740	37.4	%
Construction & development loans		164,988	8.8	%		161,466	8.8	%		138,744	7.6	%		151,476	8.3	%		180,922	9.8	%		179,570	9.9	%		179,656	10.2	%		179,606	10.2	%
Multi-family loans		94,695	5.1	%		91,426	5.0	%		91,925	5.1	%		94,719	5.2	%		96,458	5.2	%		86,366	4.8	%		86,061	4.9	%		88,670	5.0	%
Total commercial real estate loans		1,016,856	54.4	%		979,663	53.3	%		953,088	52.3	%		938,613	51.5	%		966,936	52.1	%		949,622	52.3	%		920,340	52.1	%		929,016	52.6	%

Residential mortgage loans		472,932	25.3	%		473,787	25.8	%		476,764	26.2	%		482,254	26.5	%		482,182	26.1	%		464,509	25.7	%		443,305	25.2	%		433,076	24.5	%
Consumer loans		906	0.1	%		877	0.0	%		876	0.0	%		772	0.0	%		560	0.0	%		467	0.0	%		646	0.0	%		324	0.0	%
Total loans	$	1,867,652	100.0	%	$	1,838,100	100.0	%	$	1,822,305	100.0	%	$	1,820,882	100.0	%	$	1,854,984	100.0	%	$	1,815,540	100.0	%	$	1,765,439	100.0	%	$	1,767,250	100.0	%
Less: Allowance for loan credit losses		(18,715)				(18,481)				(18,433)				(18,671)				(19,543)				(20,036)				(20,629)				(21,619)
Net deferred loan costs (fees)		4,521				4,498				4,882				5,049				4,983				4,592				4,362				4,022
Net loans	$	1,853,458			$	1,824,117			$	1,808,754			$	1,807,260			$	1,840,424			$	1,800,096			$	1,749,172			$	1,749,653


	2024																2023
	December 31				September 30				June 30				March 31				December 31				September 30				June 30				March 31
Deposits	$ Amount		% of Total		$ Amount		% of Total		$ Amount		% of Total		$ Amount		% of Total		$ Amount		% of Total		$ Amount		% of Total		$ Amount		% of Total		$ Amount		% of Total
Non-interest bearing demand deposits	$	433,288	22.9	%	$	472,422	24.4	%	$	437,169	22.8	%	$	404,669	21.3	%	$	411,374	21.6	%	$	437,880	22.1	%	$	433,931	21.2	%	$	447,450	21.4	%
Interest-bearing demand deposits:
NOW accounts⁽¹⁾		355,840	18.8	%		324,660	16.8	%		321,702	16.8	%		318,445	16.8	%		297,321	15.6	%		345,522	17.4	%		311,225	15.2	%		284,872	13.7	%
Money market accounts⁽¹⁾		349,257	18.5	%		360,725	18.6	%		346,249	18.1	%		326,135	17.1	%		310,650	16.3	%		330,297	16.6	%		341,413	16.7	%		392,962	18.8	%
Savings accounts		44,367	2.3	%		43,779	2.3	%		45,884	2.4	%		50,664	2.7	%		52,061	2.8	%		57,408	3.0	%		68,013	3.4	%		81,150	3.9	%
Certificates of deposit
$250,000 or more		315,549	16.7	%		334,591	17.3	%		339,908	17.8	%		355,766	18.7	%		357,768	18.7	%		364,805	18.4	%		376,899	18.4	%		338,824	16.2	%
Less than $250,000		83,060	4.4	%		86,932	4.5	%		91,258	4.8	%		99,694	5.2	%		101,567	5.3	%		103,600	5.2	%		105,956	5.2	%		94,429	4.5	%
QwickRate® certificates of deposit		249	0.0	%		4,119	0.2	%		4,119	0.2	%		5,117	0.3	%		9,686	0.5	%		11,526	0.6	%		12,772	0.6	%		16,952	0.8	%
IntraFi® certificates of deposit		34,288	1.8	%		32,801	1.7	%		32,922	1.7	%		34,443	1.8	%		45,748	2.4	%		41,659	2.1	%		49,729	2.4	%		53,178	2.5	%
Brokered deposits		276,517	14.6	%		276,121	14.3	%		293,629	15.4	%		306,057	16.1	%		320,425	16.8	%		288,926	14.6	%		346,371	16.9	%		378,825	18.2	%
Total deposits	$	1,892,415	100.0	%	$	1,936,150	100.0	%	$	1,912,840	100.0	%	$	1,900,990	100.0	%	$	1,906,600	100.0	%	$	1,981,623	100.0	%	$	2,046,309	100.0	%	$	2,088,642	100.0	%

Borrowings
Federal funds purchased	$	- -	0.0	%	$	- -	0.0	%	$	- -	0.0	%	$	- -	0.0	%	$	10,000	11.3	%	$	- -	0.0	%	$	- -	0.0	%	$	- -	0.0	%
Federal Home Loan Bank advances		56,000	69.3	%		56,000	69.3	%		- -	0.0	%		- -	0.0	%		- -	0.0	%		- -	0.0	%		- -	0.0	%		- -	0.0	%
Federal Reserve Bank borrowings		- -	0.0	%		- -	0.0	%		77,000	75.7	%		77,000	75.7	%		54,000	60.9	%		54,000	68.6	%		54,000	68.6	%		- -	0.0	%
Subordinated debt, net		24,791	30.7	%		24,770	30.7	%		24,749	24.3	%		24,729	24.3	%		24,708	27.8	%		24,687	31.4	%		24,666	31.4	%		24,645	100.0	%
Total borrowings	$	80,791	100.0	%	$	80,770	100.0	%	$	101,749	100.0	%	$	101,729	100.0	%	$	88,708	100.0	%	$	78,687	100.0	%	$	78,666	100.0	%	$	24,645	100.0	%

Total deposits and borrowings	$	1,973,206			$	2,016,920			$	2,014,589			$	2,002,719			$	1,995,308			$	2,060,310			$	2,124,975			$	2,113,287

Core customer funding sources ⁽²⁾	$	1,615,649	82.9	%	$	1,655,910	83.1	%	$	1,615,092	81.2	%	$	1,589,816	80.4	%	$	1,576,489	80.0	%	$	1,681,171	82.6	%	$	1,687,166	80.3	%	$	1,692,865	81.1	%
Wholesale funding sources ⁽³⁾		332,766	17.1	%		336,240	16.9	%		374,748	18.8	%		388,174	19.6	%		394,111	20.0	%		354,452	17.4	%		413,143	19.7	%		395,777	18.9	%
Total funding sources	$	1,948,415	100.0	%	$	1,992,150	100.0	%	$	1,989,840	100.0	%	$	1,977,990	100.0	%	$	1,970,600	100.0	%	$	2,035,623	100.0	%	$	2,100,309	100.0	%	$	2,088,642	100.0	%

(1)	Includes IntraFi^® accounts.

(2)	Includes reciprocal IntraFi Demand^®, IntraFi Money Market^® and IntraFi CD^® deposits, which are maintained by customers.

(3)	Consists of QwickRate^® certificates of deposit, brokered deposits, federal funds purchased, Federal Home Loan Bank advances and Federal Reserve Bank borrowings.


John Marshall Bancorp, Inc.

Average Balance Sheets, Interest and Rates (unaudited)
(Dollar amounts in thousands)

	Twelve Months Ended December 31, 2024						Twelve Months Ended December 31, 2023
			Interest Income /		Average				Interest Income /		Average
(Dollars in thousands)	Average Balance		Expense		Rate		Average Balance		Expense		Rate
Assets:
Securities:
Taxable	$	253,421	$	5,083	2.01	%	$	368,922	$	7,506	2.03	%
Tax-exempt⁽¹⁾		1,379		45	3.26	%		2,351		68	2.89	%
Total securities	$	254,800	$	5,128	2.01	%	$	371,273	$	7,574	2.04	%
Loans, net of unearned income⁽²⁾:
Taxable		1,807,547		95,770	5.30	%		1,764,315		85,515	4.85	%
Tax-exempt⁽¹⁾		18,389		712	3.87	%		28,190		1,164	4.13	%
Total loans, net of unearned income	$	1,825,936	$	96,482	5.28	%	$	1,792,505	$	86,679	4.84	%
Interest-bearing deposits in other banks	$	162,165	$	8,682	5.35	%	$	126,623	$	6,776	5.35	%
Total interest-earning assets	$	2,242,901	$	110,292	4.92	%	$	2,290,401	$	101,029	4.41	%
Total non-interest earning assets		15,630						32,430
Total assets	$	2,258,531					$	2,322,831
Liabilities & Shareholders’ Equity:
Interest-bearing deposits
NOW accounts	$	322,028	$	8,848	2.75	%	$	299,468	$	6,804	2.27	%
Money market accounts		342,057		10,707	3.13	%		362,243		10,150	2.80	%
Savings accounts		48,466		664	1.37	%		69,742		831	1.19	%
Time deposits		757,494		34,273	4.52	%		842,121		29,383	3.49	%
Total interest-bearing deposits	$	1,470,045	$	54,492	3.71	%	$	1,573,574	$	47,168	3.00	%
Federal funds purchased		28		2	7.14	%		302		15	4.97	%
Subordinated debt		24,747		1,396	5.64	%		24,664		1,396	5.66	%
Federal Reserve Bank borrowings		51,314		2,451	4.78	%		34,176		1,640	4.80	%
Federal Home Loan Bank advances		18,361		745	4.06	%		1,487		67	4.51	%
Total interest-bearing liabilities	$	1,564,495	$	59,086	3.78	%	$	1,634,203	$	50,286	3.08	%
Demand deposits		437,694						447,804
Other liabilities		17,261						18,791
Total liabilities	$	2,019,450					$	2,100,798
Shareholders’ equity	$	239,081					$	222,033
Total liabilities and shareholders’ equity	$	2,258,531					$	2,322,831

Tax-equivalent net interest income and spread (Non-GAAP)⁽¹⁾			$	51,206	1.14	%			$	50,743	1.33	%
Less: tax-equivalent adjustment				159						259
Net interest income and spread (GAAP)			$	51,047	1.13	%			$	50,484	1.83	%

Interest income/earning assets					4.91	%					4.40	%
Interest expense/earning assets					2.63	%					2.20	%
Net interest margin					2.28	%					2.20	%

Tax-equivalent interest income/earning assets (Non-GAAP)⁽¹⁾					4.92	%					4.41	%
Interest expense/earning assets					2.63	%					2.20	%
Tax-equivalent net interest margin (Non-GAAP)⁽³⁾					2.28	%					2.21	%

(1)

Tax-equivalent income and related measures have been adjusted using the federal statutory tax rate of 21%. The annualized taxable-equivalent adjustments utilized in the above table to compute yields aggregated to $159 thousand and $259 thousand for the twelve months ended December 31, 2024 and December 31, 2023, respectively.

(2)	The Company did not have any loans on non-accrual as of December 31, 2024 and December 31, 2023.

(3)

Tax-equivalent net interest margin adjusts for differences in tax treatment of interest income sources. The entire tax-equivalent adjustment is attributable to interest income on earning assets. Interest expense and the related cost of interest-bearing liabilities and cost of funds ratios are not affected by the tax-equivalent components.


John Marshall Bancorp, Inc.

Average Balance Sheets, Interest and Rates (unaudited)
(Dollar amounts in thousands)

	Three Months Ended December 31, 2024						Three Months Ended December 31, 2023
			Interest Income /		Average				Interest Income /		Average
(Dollars in thousands)	Average Balance		Expense		Rate		Average Balance		Expense		Rate
Assets:
Securities:
Taxable	$	241,950	$	1,219	2.00	%	$	271,884	$	1,388	2.03	%
Tax-exempt⁽¹⁾		1,379		11	3.17	%		1,380		11	3.16	%
Total securities	$	243,329	$	1,230	2.01	%	$	273,264	$	1,399	2.03	%
Loans, net of unearned income⁽²⁾:
Taxable		1,821,664		24,913	5.44	%		1,810,046		22,852	5.01	%
Tax-exempt⁽¹⁾		16,862		166	3.92	%		27,809		289	4.12	%
Total loans, net of unearned income	$	1,838,526	$	25,079	5.43	%	$	1,837,855	$	23,141	5.00	%
Interest-bearing deposits in other banks	$	141,870	$	1,723	4.83	%	$	149,237	$	2,121	5.64	%
Total interest-earning assets	$	2,223,725	$	28,032	5.01	%	$	2,260,356	$	26,661	4.68	%
Total non-interest earning assets		14,337						19,704
Total assets	$	2,238,062					$	2,280,060
Liabilities & Shareholders’ Equity:
Interest-bearing deposits
NOW accounts	$	351,135		2,315	2.62	%	$	323,950	$	2,320	2.84	%
Money market accounts		347,105		2,518	2.89	%		327,198		2,590	3.14	%
Savings accounts		43,720		134	1.22	%		53,331		157	1.17	%
Time deposits		709,713		8,041	4.51	%		803,679		8,510	4.20	%
Total interest-bearing deposits	$	1,451,673	$	13,008	3.56	%	$	1,508,158	$	13,577	3.57	%
Federal funds purchased		—		—	N/M			326		5	6.08	%
Subordinated debt		24,778		349	5.60	%		24,695		349	5.61	%
Federal Reserve Bank borrowings		—		—	N/M	%		54,000		640	4.70	%
Federal Home Loan Bank advances		56,001		572	4.06	%		—		—	NM	%
Total interest-bearing liabilities	$	1,532,452	$	13,929	3.62	%	$	1,587,179	$	14,571	3.64	%
Demand deposits		442,303						447,881
Other liabilities		16,782						19,282
Total liabilities	$	1,991,537					$	2,054,342
Shareholders’ equity	$	246,525					$	225,718
Total liabilities and shareholders’ equity	$	2,238,062					$	2,280,060

Tax-equivalent net interest income and spread (Non-GAAP)⁽¹⁾			$	14,103	1.39	%			$	12,090	1.04	%
Less: tax-equivalent adjustment				37						63
Net interest income and spread (GAAP)			$	14,066	1.39	%			$	12,027	1.03	%

Interest income/earning assets					5.01	%					4.67	%
Interest expense/earning assets					2.49	%					2.56	%
Net interest margin					2.52	%					2.11	%

Tax-equivalent interest income/earning assets (Non-GAAP)⁽¹⁾					5.01	%					4.68	%
Interest expense/earning assets					2.49	%					2.56	%
Tax-equivalent net interest margin (Non-GAAP)⁽³⁾					2.52	%					2.12	%

(1)

Tax-equivalent income and related measures have been adjusted using the federal statutory tax rate of 21%. The annualized taxable-equivalent adjustments utilized in the above table to compute yields aggregated to $37 thousand and $63 thousand for the three months ended December 31, 2024 and December 31, 2023, respectively.

(2)	The Company did not have any loans on non-accrual as of December 31, 2024 and December 31, 2023.

(3)


John Marshall Bancorp, Inc.

Reconciliation of Certain Non-GAAP Financial Measures (unaudited)
(Dollar amounts in thousands)
	As of
	December 31, 2024			December 31, 2023
Regulatory Ratios (Bank)
Total risk-based capital (GAAP)	$	295,119		$	282,082
Less: Unrealized losses on available-for-sale securities, net of tax benefit⁽¹⁾		10,732			12,401
Less: Unrealized losses on held-to-maturity securities, net of tax benefit⁽¹⁾		12,353			12,469
Adjusted total risk-based capital, excluding unrealized losses on available-for-sale and held-to-maturity securities, net of tax benefit (Non-GAAP)	$	272,034		$	257,212

Tier 1 capital (GAAP)	$	276,468		$	263,637
Less: Unrealized losses on available-for-sale securities, net of tax benefit⁽¹⁾		10,732			12,401
Less: Unrealized losses on held-to-maturity securities, net of tax benefit⁽¹⁾		12,353			12,469
Adjusted tier 1 capital, excluding unrealized losses on available-for-sale and held-to-maturity securities, net of tax benefit (Non-GAAP)	$	253,383		$	238,767

Risk weighted assets (GAAP)	$	1,819,888		$	1,794,769
Less: Risk weighted available-for-sale securities		19,623			24,184
Less: Risk weighted held-to-maturity securities		16,462			17,079
Adjusted risk weighted assets, excluding available-for-sale and held-to-maturity securities (Non-GAAP)	$	1,783,803		$	1,753,506

Total average assets for leverage ratio (GAAP)	$	2,235,952		$	2,274,911
Less: Unrealized losses on available-for-sale securities, net of tax benefit⁽¹⁾		10,732			12,401
Less: Unrealized losses on held-to-maturity securities, net of tax benefit⁽¹⁾		12,353			12,469
Adjusted total average assets for leverage ratio, excluding available-for-sale and held-to-maturity securities (Non-GAAP)	$	2,212,867		$	2,250,041

Total risk-based capital ratio⁽²⁾
Total risk-based capital ratio (GAAP)		16.2	%		15.7	%
Adjusted total risk-based capital ratio (Non-GAAP) ⁽³⁾		15.3	%		14.7	%

Tier 1 capital ratio⁽⁴⁾
Tier 1 risk-based capital ratio (GAAP)		15.2	%		14.7	%
Adjusted tier 1 risk-based capital ratio (Non-GAAP) ⁽⁵⁾		14.2	%		13.5	%

Common equity tier 1 ratio⁽⁶⁾
Common equity tier 1 ratio (GAAP)		15.2	%		14.7	%
Adjusted common equity tier 1 ratio (Non-GAAP) ⁽⁷⁾		14.2	%		13.5	%

Leverage ratio⁽⁸⁾
Leverage ratio (GAAP)		12.4	%		11.6	%
Adjusted leverage ratio (Non-GAAP) ⁽⁹⁾		11.5	%		10.6	%

(1)	Includes tax benefit calculated using the federal statutory tax rate of 21%.

(2)	The total risk-based capital ratio is calculated by dividing total risk-based capital by risk weighted assets.

(3)	The adjusted total risk-based capital ratio is calculated by dividing adjusted total risk-based capital by adjusted risk weighted assets.

(4)	The tier 1 capital ratio is calculated by dividing tier 1 capital by risk weighted assets.

(5)	The adjusted tier 1 capital ratio is calculated by dividing adjusted tier 1 capital by adjusted risk weighted assets.

(6)	The common equity tier 1 ratio is calculated by dividing tier 1 capital by risk weighted assets.

(7)	The adjusted common equity tier 1 ratio is calculated by dividing adjusted tier 1 capital by adjusted risk weighted assets.

(8)	The leverage ratio is calculated by dividing tier 1 capital by total average assets for leverage ratio.

(9)	The adjusted leverage ratio is calculated by dividing adjusted tier 1 capital by adjusted total average assets for leverage ratio.


John Marshall Bancorp, Inc.

Reconciliation of Certain Non-GAAP Financial Measures (unaudited)
(Dollar amounts in thousands, except per share data)

							For the Twelve Months Ended
							December 31, 2023
Non-interest income (loss) (GAAP)							$	(14,940)
Adjustment: Pre-tax loss recognized on sale of available-for-sale securities								17,114
Core non-interest income (Non-GAAP)							$	2,174

Income (loss) before taxes (GAAP)							$	7,981
Adjustment: Pre-tax loss recognized on sale of available-for-sale securities								17,114
Core income before taxes (Non-GAAP)							$	25,095

Income tax expense (benefit) (GAAP)							$	2,823
Adjustment: Tax and 10% modified endowment contract penalty on early surrender of BOLI policies								(1,101)
Adjustment: Tax benefit of loss recognized on sale of available-for-sale securities								3,594
Core income tax expense (Non-GAAP)⁽¹⁾							$	5,316

Net income (loss) (GAAP)							$	5,158
Core net income (Non-GAAP)⁽²⁾							$	19,779

Earnings (loss) per share - basic (GAAP)							$	0.36
Core earnings per share - basic (Non-GAAP)⁽³⁾							$	1.40

Earnings (loss) per share - diluted (GAAP)							$	0.36
Core earnings per share - diluted (Non-GAAP)⁽³⁾							$	1.39

Return on average assets (annualized) (GAAP)								0.22	%
Core return on average assets (annualized) (Non-GAAP)⁽⁴⁾								0.85	%

Return on average equity (annualized) (GAAP)								2.32	%
Core return on average equity (annualized) (Non-GAAP)⁽⁵⁾								8.91	%

Non-interest income (loss) as a percentage of average assets (annualized) (GAAP)								(0.64)	%
Core non-interest income as a percentage of average assets (annualized) (Non-GAAP)⁽⁶⁾								0.09	%

Efficiency ratio (GAAP)								86.7	%
Core efficiency ratio (Non-GAAP)⁽⁷⁾								58.5	%

	For the Three Months Ended
		December 31, 2024		September 30, 2024		December 31, 2023
Pre-tax, pre-provision earnings (Non-GAAP)
Income before income taxes	$	6,104	$	5,342	$	5,878
Adjustment: Provision for (recovery of) credit losses		298		400		(781)
Pre-tax, pre-provision earnings (Non-GAAP)⁽⁸⁾	$	6,402	$	5,742	$	5,097

(1)	Includes tax benefit (expense) calculated using the federal statutory tax rate of 21%.

(2)

Core net income reflects net income adjusted for the non-recurring tax effected loss recognized on the sale of available-for-sale securities in and non-recurring tax expense associated with the surrender of the Company’s BOLI policies in July 2023. It is calculated by subtracting core income tax expense from core income before taxes for each period presented.

(3)	Core earnings per share – basic and core earnings per share – diluted is calculated by dividing core net income by basic weighted average shares outstanding and diluted weighted average shares outstanding, respectively, for each period presented.

(4)	Core return on average assets (annualized) is calculated by dividing annualizing core net income by average assets for each period presented.

(5)	Core return on average equity (annualized) is calculated by dividing annualizing core net income by average equity for each period presented.

(6)	Core non-interest income as a percentage of average assets (annualized) is calculated by dividing annualized core non-interest income by average assets for each period presented.

(7)	Core efficiency ratio is calculated by dividing non-interest expense by the sum of core non-interest income and net interest income for each period presented.

(8)	Pre-tax, pre-provision earnings is calculated by adjusting income before taxes for provision for (recovery of) credit losses.

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Jan. 29, 2025

Document and Entity Information [Abstract]

Document Type 8-K

Document Period End Date Jan. 29, 2025

Entity File Number 001-41315

Entity Registrant Name John Marshall Bancorp, Inc.

Entity Incorporation, State or Country Code VA

Entity Tax Identification Number 81-5424879

Entity Address State Or Province VA

Entity Address, Address Line One 1943 Isaac Newton Square East

Entity Address, Adress Line Two Suite 100

Entity Address, City or Town Reston

Entity Address, Postal Zip Code 20190

City Area Code 703

Local Phone Number 584-0840

Title of 12(b) Security Common Stock, par value $0.01 per share

Trading Symbol JMSB

Security Exchange Name NASDAQ

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Entity Ex Transition Period true

Entity Central Index Key 0001710482

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A0#% @ \DD]6NX(M?D5%0 9J4 M !0 ( !G X &IM3@$ ! end XML 17 jmsb-20250129x8k_htm.xml IDEA: XBRL DOCUMENT 0001710482 2025-01-29 2025-01-29 0001710482 false 8-K 2025-01-29 John Marshall Bancorp, Inc. VA 001-41315 81-5424879 1943 Isaac Newton Square East Suite 100 Reston VA 20190 703 584-0840 false false false false Common Stock, par value $0.01 per share JMSB NASDAQ true true

Document and Entity Information	Jan. 29, 2025
Document and Entity Information [Abstract]
Document Type	8-K
Document Period End Date	Jan. 29, 2025
Entity File Number	001-41315
Entity Registrant Name	John Marshall Bancorp, Inc.
Entity Incorporation, State or Country Code	VA
Entity Tax Identification Number	81-5424879
Entity Address State Or Province	VA
Entity Address, Address Line One	1943 Isaac Newton Square East
Entity Address, Adress Line Two	Suite 100
Entity Address, City or Town	Reston
Entity Address, Postal Zip Code	20190
City Area Code	703
Local Phone Number	584-0840
Title of 12(b) Security	Common Stock, par value $0.01 per share
Trading Symbol	JMSB
Security Exchange Name	NASDAQ
Entity Emerging Growth Company	true
Entity Ex Transition Period	true
Entity Central Index Key	0001710482
Amendment Flag	false
Written Communications	false
Soliciting Material	false
Pre-commencement Tender Offer	false
Pre-commencement Issuer Tender Offer	false

JOHN MARSHALL BANCORP, INC.

Date: January 29, 2025

/s/ Kent D. Carstater

Kent D. Carstater
Senior Executive Vice President, Chief Financial Officer