John Marshall Bancorp, Inc. (NASDAQ: JMSB)

John Marshall Bancorp Inc. operates as a bank holding company for its wholly owned subsidiary John Marshall Bank a Virginia chartered commercial bank headquartered in Reston Virginia The company commenced operations as a holding company on March 1 2017 following an internal reorganization and has no material operations other than its ownership of the bank which provides commercial and retail banking products and services to customers in the Washington D. C. metropolitan area

John Marshall Bancorp Inc. generates revenue primarily through interest income earned on its loan portfolio which includes commercial and industrial loans commercial real estate loans construction and development loans residential mortgages and other loan types The company also earns non-interest income from service charges on deposit accounts treasury and cash management services online and mobile banking remote deposit capture and fees from affiliated insurance and merchant service partnerships Deposit activities provide a low-cost funding source for lending operations while the bank offers a full range of consumer and commercial deposit products including demand NOW money market savings accounts and certificates of deposit

The company operates through the following segments:

• John Marshall Bank The bank serves as the sole operating segment of John Marshall Bancorp Inc. providing a comprehensive suite of banking products and services including commercial checking savings and money market accounts certificates of deposit treasury and cash management services commercial and industrial loans commercial real estate loans residential and commercial construction and development loans SBA 7(a) loans consumer mortgages online banking and mobile banking The bank focuses on serving small to medium-sized businesses their owners and employees professional corporations non-profits and individuals with a relationship-driven approach to banking.

John Marshall Bancorp Inc. holds a modest market share in the highly competitive Washington D. C. metropolitan statistical area where it ranked 17th among financial institutions by deposit size as of June 30 2025 with 0.6% of the MSA’s $315 billion in deposits The company competes against larger national and regional banks credit unions savings institutions mortgage firms finance companies fintech companies and other financial service providers in the area Its competitive advantages stem from its experienced local management team disciplined credit culture conservative balance sheet and ability to deliver personalized service through a branch-lite strategy that leverages digital platforms The bank emphasizes direct customer relationships and decision-making proximity which allows it to attract customers dissatisfied with the impersonal service of larger consolidated institutions

John Marshall Bancorp Inc. primarily serves small to medium-sized businesses their owners and employees professional corporations non-profits and individuals residing and working in the Washington D. C. market area The bank also serves specific niche sectors including government contractors health services companies associations builders and developers private schools property management companies trade contractors and title companies while maintaining a focus on locally based borrowers and relationship-driven banking