BlastPoint's Banking Scorecard
John Marshall Bank
Community
Specialty: Commercial
VA
FDIC cert 58243
Reston, VA
1484
banks in Community tier nationally
32 in VA
View Community leaderboard (VA) →
John Marshall Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.63% below tier
- + Nonperforming Asset Ratio 0.50% below tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 47% in Community
- - Non-Interest Income / Assets 0.67% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.3B
+4.4% YoY
+0.3% QoQ
|
+$937.5M |
$1.4B
+2.0% YoY
|
$17.5B
+24.6% YoY
|
$5.9B
+6.5% YoY
|
84% |
| Total Loans ? |
$2.0B
+5.5% YoY
+1.9% QoQ
|
+$980.1M |
$975.5M
+2.4% YoY
|
$10.7B
+28.4% YoY
|
$3.1B
+8.5% YoY
|
Top 12% in tier |
| Total Deposits ? |
$2.0B
+4.3% YoY
+0.4% QoQ
|
+$814.9M |
$1.2B
+1.7% YoY
|
$13.8B
+21.4% YoY
|
$4.7B
+6.3% YoY
|
85% |
| Return on Assets ? |
1.01%
+20.5% YoY
+3.1% QoQ
|
-0.16% |
1.16%
+17.2% YoY
|
0.94%
+24.9% YoY
|
1.12%
+15.6% YoY
|
40% |
| Net Interest Margin ? |
2.76%
+16.5% YoY
+1.2% QoQ
|
-0.90% |
3.66%
+9.1% YoY
|
3.66%
+9.0% YoY
|
3.75%
+7.1% YoY
|
Bottom 11% in tier |
| Efficiency Ratio ? |
50.73%
-10.2% YoY
-3.0% QoQ
|
-11.90% |
62.63%
-5.3% YoY
|
66.70%
-6.7% YoY
|
65.09%
-5.1% YoY
|
82% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.63% |
0.63%
+18.3% YoY
|
0.75%
+37.7% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
98.79%
+1.2% YoY
+1.5% QoQ
|
+15.73% |
83.06%
+0.3% YoY
|
79.98%
+0.8% YoY
|
78.04%
+0.7% YoY
|
85% |
| Non-Interest-Bearing Deposit Share ? |
22.23%
-4.0% YoY
-2.5% QoQ
|
+1.18% |
21.05%
-0.9% YoY
|
24.23%
+0.2% YoY
|
21.79%
-1.3% YoY
|
60% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.50% |
0.50%
+20.3% YoY
|
0.53%
+39.4% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
15.18%
-0.1% YoY
-2.0% QoQ
|
+4.94% |
10.24%
-0.6% YoY
|
11.48%
+7.9% YoY
|
9.75%
-1.9% YoY
|
78% |
| Non-Interest Income / Assets ? |
0.07%
-21.2% YoY
+28.2% QoQ
|
-0.67% |
0.74%
-1.3% YoY
|
0.64%
-0.2% YoY
|
0.65%
+0.6% YoY
|
Bottom 2% in tier |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (2)
Liquidity Strain
risk
#242 of 513 · Bottom 47% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
98.79%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank declining
Non-Interest Income / Assets
metric
Bottom 2%
in Community
Why this stands out
Current:
0.07%
(Tier avg: 0.74%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
88
88th pctile
Total Loans
Current: $2.0B · Tier avg: $975.5M
85
85th pctile
Loan-to-Deposit Ratio
Current: 98.79% · Tier avg: 83.06%
85
85th pctile
Total Deposits
Current: $2.0B · Tier avg: $1.2B
84
84th pctile
Total Assets
Current: $2.3B · Tier avg: $1.4B
82
82th pctile
Efficiency Ratio
Current: 50.73% · Tier avg: 62.63%
78
78th pctile
Tier 1 Capital Ratio
Current: 15.18% · Tier avg: 10.24%
60
60th pctile
Non-Interest-Bearing Deposit Share
Current: 22.23% · Tier avg: 21.05%
40
40th pctile
Return on Assets
Current: 1.01% · Tier avg: 1.16%
11
11th pctile
Net Interest Margin
Current: 2.76% · Tier avg: 3.66%
2
2th pctile
Non-Interest Income / Assets
Current: 0.07% · Tier avg: 0.74%
Top Weaknesses
2
2th pctile
Non-Interest Income / Assets
Current: 0.07% · Tier avg: 0.74%
11
11th pctile
Net Interest Margin
Current: 2.76% · Tier avg: 3.66%
40
40th pctile
Return on Assets
Current: 1.01% · Tier avg: 1.16%
60
60th pctile
Non-Interest-Bearing Deposit Share
Current: 22.23% · Tier avg: 21.05%
78
78th pctile
Tier 1 Capital Ratio
Current: 15.18% · Tier avg: 10.24%
82
82th pctile
Efficiency Ratio
Current: 50.73% · Tier avg: 62.63%
84
84th pctile
Total Assets
Current: $2.3B · Tier avg: $1.4B
85
85th pctile
Total Deposits
Current: $2.0B · Tier avg: $1.2B
85
85th pctile
Loan-to-Deposit Ratio
Current: 98.79% · Tier avg: 83.06%
88
88th pctile
Total Loans
Current: $2.0B · Tier avg: $975.5M
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%