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John Marshall Bancorp (JMSB) investor relations material
John Marshall Bancorp Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary29 Oct, 2025
Executive summary
Net income rose 27.6% year-over-year to $5.4 million for Q3 2025, with diluted EPS up 26.7% to $0.38.
Annualized net income increased 23.4% sequentially from Q2 2025, reflecting strong earnings momentum.
Loan commitments for the year-to-date are 34% ahead of last year, with robust growth in residential mortgage, commercial owner-occupied, and construction & development loans.
Asset quality remains pristine, with no loans over 30 days past due, no non-accrual loans, and no net charge-offs.
Financial highlights
Net interest income for Q3 2025 was $15.6 million, up 18.6% year-over-year and 17.9% annualized from the previous quarter.
Net interest margin (tax-equivalent, Non-GAAP) expanded to 2.73% from 2.30% a year ago.
Return on average assets was 0.94% and return on average equity was 8.31% for Q3 2025, up from 0.73% and 7.00% respectively in Q3 2024.
Efficiency ratio improved to 55.6% from 58.3% year-over-year, as revenue growth outpaced expense increases.
Book value per share increased 7.0% year-over-year to $18.27.
Outlook and guidance
Management expects further performance improvement with potential Fed rate cuts and yield curve normalization, which could boost loan demand and margins.
The company is positioned for organic growth and potential M&A, supported by strong capital and liquidity.
Impact of bond portfolio sale on capital ratios?
Current CRE portfolio LTV and DSCR?
Rationale for increased headcount expenses?
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Next John Marshall Bancorp earnings date
Q4 202529 Jan, 2026
Next John Marshall Bancorp earnings date
Q4 202529 Jan, 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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