| Metric | John Marshall Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.9% | +5.5% | +0.5 pts |
| Deposit growth (YoY) | +5.0% | +5.1% | -0.1 pts |
| Loan growth (YoY) | +5.1% | +5.9% | -0.8 pts |
| ROA | 1.19% | 1.26% | -0.1 pts |
| ROE | 9.8% | 12.2% | -2.4 pts |
ROA ranks in the 44th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.40B | $2.00B | $1.99B | $294.7M | $14.1M | 1.19% | 2.98% | 0.01% |
| Q1 2026 | $2.35B | $1.99B | $1.95B | $287.3M | $6.6M | 1.12% | 2.93% | 0.04% |
| Q4 2025 | $2.33B | $1.98B | $1.96B | $283.0M | $23.0M | 1.01% | 2.76% | 0.05% |
| Q3 2025 | $2.32B | $1.97B | $1.92B | $281.7M | $16.7M | 0.98% | 2.73% | 0.00% |
| Q2 2025 | $2.26B | $1.90B | $1.90B | $276.5M | $10.8M | 0.96% | 2.69% | 0.00% |
| Q1 2025 | $2.27B | $1.93B | $1.85B | $271.5M | $5.3M | 0.95% | 2.62% | 0.00% |
| Q4 2024 | $2.23B | $1.90B | $1.85B | $264.7M | $18.9M | 0.84% | 2.37% | 0.45% |
| Q3 2024 | $2.27B | $1.94B | $1.82B | $263.2M | $13.6M | 0.80% | 2.29% | 0.00% |
Loan mix (Q2 2026): real estate $1.96B · commercial $51.2M · consumer $672K · securities $213.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | John Marshall Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.19% | 1.26% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 9.8% | 12.2% | 31th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.98% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.1% | 59.0% | 21th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | John Marshall Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | John Marshall Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | John Marshall Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | John Marshall Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.