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John Marshall Bancorp (JMSB) investor relations material
John Marshall Bancorp Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary23 Jul, 2025
Executive summary
Net income for the six months ended June 30, 2025 was $9.9 million, up 22.2% year-over-year; Q2 2025 net income was $5.1 million, up 30.7% year-over-year; diluted EPS rose 21.0% to $0.69 for six months and 33.3% to $0.36 for Q2.
Pre-tax, pre-provision earnings (Non-GAAP) increased 50.7% year-over-year to $7.1 million in Q2 2025.
Book value per share increased 7.8% year-over-year to $17.83; shareholders' equity rose 7.8% to $253.7 million.
Strong loan demand with $135.5 million in new commitments, the highest since Q4 2022.
Asset quality remained excellent with no nonperforming assets, no nonaccrual loans, and no net charge-offs as of June 30, 2025.
Financial highlights
Net interest income increased 21.8% to $29.0 million for the six months and 23.5% to $14.9 million for Q2 2025.
Net interest margin (tax-equivalent) improved to 2.64% for the six months and 2.70% for Q2 2025.
Return on average assets was 0.89% for six months and 0.91% for Q2 2025; return on average equity was 7.91% for six months and 8.06% for Q2 2025.
Efficiency ratio improved to 55.1% for six months and 53.9% for Q2 2025.
Non-interest income declined 26.3% to $1.0 million for six months; non-interest expense increased 4.6% to $16.6 million, mainly from higher salaries and data processing.
Outlook and guidance
Management expects continued loan and net interest income growth, supported by a strong loan pipeline and robust asset quality.
Capital and liquidity positions are expected to support further growth and returns.
No material changes in risk factors or forward-looking statements since the last annual report.
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Next John Marshall Bancorp earnings date
Q3 202522 Oct, 2025
Next John Marshall Bancorp earnings date
Q3 202522 Oct, 2025
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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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