John Marshall Bancorp (JMSB) Investor presentation summary

Strategic focus and market positioning

• Growth-oriented commercial bank with $2.4 billion in assets, $2.0 billion in loans, and $2.0 billion in deposits as of June 30, 2026.

• Operates eight full-service regional banking centers in the Washington, D.C. metropolitan area, targeting deposit-rich industry segments.

• Strategy emphasizes local market growth, diversification of loan portfolio, and strong asset quality.

• Leverages technology and selective FinTech partnerships to enhance customer experience and operational efficiency.

• Executive team with decades of in-market experience drives disciplined growth and profitability.

Financial performance and growth

• Net income for Q2 2026 was $7.0 million, up 15% from Q1 2026, marking the eighth consecutive quarter of net income growth.

• Net interest margin expanded to 2.99% in Q2 2026, the ninth consecutive quarterly increase.

• Loans grew by $41.2 million in Q2 2026, surpassing $2.0 billion for the first time; deposits increased by $96.1 million year-over-year.

• Book value per share rose 8.8% year-over-year to $19.40 as of June 30, 2026.

• Annualized per share cash dividend increased 33.3% over 2025, with a quarterly dividend of $0.10 declared in July 2026.

Asset quality and risk management

• Maintains exceptional asset quality with no non-accrual loans or other real estate owned as of June 30, 2026.

• Non-accruing assets have remained at or near zero for several years, outperforming FDIC peer averages.

• CRE and ADC loan concentrations have been reduced significantly since 2017, with robust stress testing and conservative reserve methodology.

• Allowance for credit losses stands at 1.00% of loans, with rigorous third-party loan review and quarterly stress testing.

• 99.8% of CRE portfolio is within the DC MSA, with diversified exposure across property types.