John Marshall Bancorp Inc
investor.johnmarshallbank.comWhat Do They Do?
Provides commercial and retail banking services, including loans, deposit accounts and digital banking, to businesses, nonprofits and individuals.
10-K for FY2025, filed Mar 13, 2026We primarily serve small to medium-sized businesses, their owners and employees, professional corporations, non-profits and individuals…View ↗
We emphasize providing commercial banking services. Our dedicated relationship managers serve as direct points of contact for owners…View ↗
We provide a range of commercial lending services, including commercial real estate loans, residential and commercial construction and…View ↗
How Do They Make Money?
The Bank earns interest on loans and investments and receives fees from deposit accounts, card transactions and other transaction services; those fees are generally paid immediately or the following month.
10-K for FY2025, filed Mar 13, 2026As with most community banks, the Bank derives a significant portion of its income from interest received on loans and investments. The…View ↗
Service charges on deposit accounts consist of overdrawn account fees and account service fees. Overdrawn account fees are recognized at…View ↗
Other service charges and fees are primarily comprised of interchange income and other charges and fees. Interchange income is earned…View ↗
$113.3M
-
10-K for FY2025, filed Mar 13, 2026
$113.3M ↗
| Segment | Share | Revenue | How money arrives |
|---|---|---|---|
|
Overdrawn account fees
Usage-based
|
6.5%
FY2022: 6.5%
|
Overdrawn account fees, FY2025
$81K Sources
|
Usage-based |
|
Account service fees
Recurring
10-K for FY2025, filed Mar 13, 2026 |
20%
FY2022: 17%
|
Account service fees, FY2025
$255K Sources
|
Recurring |
|
Interchange income
Usage-based
10-K for FY2025, filed Mar 13, 2026 |
26%
FY2022: 30%
|
Interchange income, FY2025
$327K Sources
|
Usage-based |
|
Other charges and fees
Usage-based
10-K for FY2025, filed Mar 13, 2026 |
19%
FY2022: 18%
|
Other charges and fees, FY2025
$244K Sources
|
Usage-based |
|
Insurance commissions
|
26%
FY2022: 28%
|
Insurance commissions, FY2025
$328K Sources
|
|
|
Other operating income
|
1.4% |
Other operating income, FY2025
$17K Sources
|
Who Are Their Customers?
Businesses, professionals and nonprofits work with dedicated relationship managers; commercial loans come mainly through direct outreach and referrals. The Bank also offers retail and digital banking to individuals in its service area.
10-K for FY2025, filed Mar 13, 2026We emphasize providing commercial banking services. Our dedicated relationship managers serve as direct points of contact for owners…View ↗
Loan business is generated primarily through direct-calling efforts and referrals. Referrals of loan business come from directors, current…View ↗
We primarily serve small to medium-sized businesses, their owners and employees, professional corporations, non-profits and individuals…View ↗
Do Revenues Turn Into Profits?
Yes. It kept 19 cents of every revenue dollar as net income in FY2025 and turned 19 cents into free cash flow.
How Are They Changing?
10-Q for Q2 FY2026, filed Aug 7, 2026
Open tableView ↗
-
Sep 7, 2026
Agreed to merge with Eagle Financial Services
Eagle Financial will merge into John Marshall; Brandon Lorey is slated to become CEO after closing.
Sources
8-K, filed Sep 8, 2026
On September 7, 2026, John Marshall Bancorp, Inc. (“JMSB”) and Eagle Financial Services, Inc. (“EFSI”) entered into an Agreement and Plan…View ↗
Growing. Revenue grew 53% in 4 years, from $74.1M in FY2021 to $113.3M in FY2025, about 11% a year.
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