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John Marshall Bancorp
John Marshall Bancorp (JMSB) investor relations material
John Marshall Bancorp Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary28 Jan, 2026
Executive summary
Net income for Q4 2025 was $5.9 million, up 23.9% year-over-year and 9.5% sequentially, marking the sixth consecutive quarter of growth.
Diluted EPS for Q4 2025 was $0.42, up 27.3% year-over-year and 10.5% sequentially.
Full-year 2025 net income reached $21.2 million, a 24.0% increase over 2024.
Book value per share rose 8.2% to $18.70 at year-end, with a 10.0% annual book value return including dividends.
Financial highlights
Net interest income for Q4 2025 was $15.9 million, up 13.3% year-over-year; full-year net interest income grew 18.6%.
Net interest margin expanded to 2.73% in Q4 2025 from 2.52% a year earlier; full-year margin was 2.68%.
Non-interest expense for Q4 2025 was $8.0 million, down 11.8% sequentially; full-year non-interest expense rose 5.5%.
Efficiency ratio improved to 48.8% in Q4 2025 from 55.4% a year ago; full-year ratio was 53.6%.
Return on average assets for Q4 2025 was 1.01%, and return on average equity was 8.89%.
Outlook and guidance
Management expects further profitability enhancement from additional Fed rate cuts and continued yield curve normalization.
Strong loan pipeline and recent commitments are expected to support growth into 2026.
Detail NIM drivers from future Fed rate cuts
Assess credit risk from loan portfolio mix shift
Explain capital deployment strategy for shareholders
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Next John Marshall Bancorp earnings date
Q1 202629 Apr, 2026
John Marshall Bancorp
Next John Marshall Bancorp earnings date
Q1 202629 Apr, 2026
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Frequently asked questions
John Marshall Bancorp Inc. is a financial holding company that operates primarily through its subsidiary, John Marshall Bank. The company provides a wide range of banking products and services to individuals, small to mid-sized businesses, and professionals. Its offerings include commercial and personal loans, deposit accounts, cash management services, and treasury services. John Marshall Bancorp focuses on delivering customized banking solutions tailored to the needs of its clients, with a particular emphasis on serving the local communities in its operational regions. The company is headquartered in Reston, Virginia, and its shares are listed on the NASDAQ.
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