# JOHN MARSHALL BANK
RESTON, VA · FDIC certificate 58243 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $2.40B | |
| Deposits | $2.00B | |
| Loans and leases | $2.01B | |
| Total equity | $294.7M | |
| Loans / deposits | 99.89% (p85 of band) | 87.10% |
| Liquid assets / assets | 15.54% (p25 of band) | |
| Uninsured deposits / deposits | 44.72% (p82 of band) | 30.76% |
| Brokered deposits | 13.41% | |
| Wholesale funding | 17.41% (p85 of band) | |
| FHLB advances / assets | 2.33% | |
| Tier 1 leverage | 12.95% (p85 of band) | 10.50% |
| Unrealized securities loss / equity | -7.10% (p53 of band) | -7.75% |
| AOCI / equity | -0.22% (p56 of band) | |
| ROA (annualized) | 1.19% (p44 of band) | 1.26% |
| Net interest margin | 2.98% (p15 of band) | 3.70% |
| Efficiency ratio | 49.08% (p22 of band) | |
| Noncurrent loans | 0.01% (p6 of band) | 0.51% |
| Net charge-offs (annualized) | 0.01% (p40 of band) | |
| Reserve coverage of noncurrent | 7564.04% | |
| Real estate % of loans | 97% | |
| Construction % of loans | 76.86% (p76 of band) | |
| Auto loans | $127,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 5.0% | |
| Employees | 140 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | loans exceed deposits, construction >100% equity |  |
| 2011-06 | 4 | brokered >10%, wholesale funding >15% |  |
| 2011-09 | 4 |  |  |
| 2011-12 | 5 | capital falling |  |
| 2012-03 | 4 |  | construction >100% equity |
| 2012-06 | 5 | construction >100% equity |  |
| 2012-09 | 4 |  | construction >100% equity |
| 2012-12 | 5 | construction >100% equity |  |
| 2013-03 | 6 | liquid assets <10% |  |
| 2013-06 | 5 |  | capital falling |
| 2013-09 | 4 |  | liquid assets <10% |
| 2013-12 | 3 |  | construction >100% equity |
| 2014-03 | 3 |  |  |
| 2014-06 | 5 | capital falling, construction >100% equity |  |
| 2014-09 | 5 |  |  |
| 2014-12 | 5 |  |  |
| 2015-03 | 4 |  | brokered >10% |
| 2015-06 | 5 | brokered >10% |  |
| 2015-09 | 3 |  | capital falling, brokered >10% |
| 2015-12 | 3 |  |  |
| 2016-03 | 5 | capital falling, charge-offs p90 |  |
| 2016-06 | 5 | brokered >10% | capital falling |
| 2016-09 | 5 |  |  |
| 2016-12 | 6 | capital falling |  |
| 2017-03 | 5 |  | charge-offs p90 |
| 2017-06 | 4 |  | capital falling |
| 2017-09 | 4 |  |  |
| 2017-12 | 4 |  |  |
| 2018-03 | 4 |  |  |
| 2018-06 | 2 |  | wholesale funding >15%, brokered >10% |
| 2018-09 | 3 | capital falling |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 2 |  | loans exceed deposits |
| 2019-06 | 1 |  | capital falling |
| 2019-09 | 1 |  |  |
| 2019-12 | 3 | loans exceed deposits, capital falling |  |
| 2020-03 | 1 |  | loans exceed deposits, capital falling |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 3 | brokered >10% |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 2 |  | capital falling |
| 2021-12 | 1 |  | construction >100% equity |
| 2022-03 | 0 |  | brokered >10% |
| 2022-06 | 1 | brokered >10% |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 2 | wholesale funding >15% |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 3 | NIM <2.5% |  |
| 2023-09 | 2 |  | wholesale funding >15% |
| 2023-12 | 4 | wholesale funding >15%, deposits shrinking |  |
| 2024-03 | 4 |  |  |
| 2024-06 | 4 |  |  |
| 2024-09 | 2 |  | wholesale funding >15%, deposits shrinking |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 | wholesale funding >15% | NIM <2.5% |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 3 | capital falling |  |
| 2026-03 | 2 |  | capital falling |
| 2026-06 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-08 [John Marshall Bancorp, Inc. and Eagle Financial Services, Inc. Announce Strategic Merger Uniting Two of Virginia’s Leading Community Banks - Business Wire](https://news.google.com/rss/articles/CBMinAJBVV95cUxOc09xeHllcENXNFgza1UzTnlMSWw3OHAwNDBuV3J3THdab2xKN1RQQjFuNU9mWElIZFlPQXl4VXYyTTUyeE1jbFRuZU1pVlZJRngyTUdPcDAtN0VJNUR2TlBwR1RIaDdDU0U2RDUtMEdpQmJTX3Q1cEZUMVRkNUZXQ2xyalNLT2VSWjNhNmJ2R2VtWFhFVXFiOTBDa0Y2WExvdmhidHlZU0o4dmx4WURPZmpCcm1TOVVWbzFaaURyWk9OVW9aLS1rOVJzb3IwVFpiY0ZzMllwREpzWkpMU2ZNSnNyckRkcnlsX1A4cXBINEZhS3FhNHE0VWswckc2MUYwRHFsck9QdjFiSGVJQU0yc2Y1UURNME9MQTBaMw?oc=5) · Business Wire
- 2026-09-08 [John Marshall Bank buying Bank of Clarke for $253M - The Business Journals](https://news.google.com/rss/articles/CBMiogFBVV95cUxOdzdoYU00ejZVenJ4c056QWRaLWYwNnhnNmhpRTFBZ1h1d1BleVFoanBsQzFkei1sZXJfYXQwaDlvQTlYRy1TakhwUzkxekw3cmV0b2ZxNUFHN0YxQVFCMldqSzVNVmpvT1JPRUFuZldDRmMwM1RlUWt4RlJRUlFqYnBCdW5nSERWbVhRNEkzQ0ZxS0YzbWhBbkRhZmxGa0ZPUmc?oc=5) · The Business Journals
- 2026-09-09 [Virginia banks to combine in $253M deal - Banking Dive](https://news.google.com/rss/articles/CBMipwFBVV95cUxNTkZlbjBnSXI2OElBeWZRcHJuMVdUM0tBOFlmdUNXYmdnYVQxeE9EczUteTVjU3ctNDY4OGlyMklMbnFNeXFEZWV2TF9PTktnd2dpaE5PcS1DMi1Zc1I0dUhyT3oxdFc5cVFGSlpwelluS0hOTHdQTFRoLXViSHJBaS1Cd2FKRndsSlM2bzZucURPSUNKMEtEb3NPZl9XMXNnb2o1ZTdfNA?oc=5) · Banking Dive
- 2026-09-09 [John Marshall Bancorp to acquire Bank of Clarke parent for $253M - Virginia Business](https://news.google.com/rss/articles/CBMimAFBVV95cUxQVmVZeDhGOGxMejd6MnBNNXludE94REFXVmVqQzRzSVJWN1JrV1YzbXFoOVNGbzlnWkZPVnBWUTNOTk5VWFY0LUNHcUtZVW9zakptNlpva2ZuZVlQX2dhUjlzTFBiYmNwb3daVDdkcktUUlV3SDhFWjFnOFdndzVKRGk4cjJObTE5MHAtdXNXbEVrR1pMVk0wbw?oc=5) · Virginia Business
- 2026-09-08 [John Marshall Bancorp And Eagle Financial Services Announce $253 Million Merger To Create $4.4 Billion Bank - Pulse 2.0](https://news.google.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?oc=5) · Pulse 2.0
- 2026-09-08 [John Marshall Bancorp, Eagle Financial Services Agree to $253 Million Merger - citybiz](https://news.google.com/rss/articles/CBMiswFBVV95cUxNQnU3c2lXaVJpWnRPUGp5MXhZZ3BhczF0eDZLeXVZSHBjaU9mbGd6UV9qLWxtaGNSZWJxUzhRMDNZTlp4dVl2OU1SZE1NNWFsMW5yWlh0WVR4V0U3WndCblVtZk5JVVM1YnBCR1dDN2pldjc2d3BhZ2RXY05pRE00WXVidm43U0ljVmVoV1J4Wkt0TU01c3pZOE9mREhoUDBkaVRnNElKa3BHS2FJblRRcy1fSQ?oc=5) · citybiz
- 2026-09-08 [Eagle Financial Services to Merge With John Marshall in All-Stock Deal at 2.00x Exchange Ratio - TradingView](https://news.google.com/rss/articles/CBMi7AFBVV95cUxQUi10eVE4M3NsZmJlVjh2cFBURTVZb3FwY3VGZmFRNEhqQ0VLWnNLUktROTN3c2ZYdXJYSnQ0YVdaTUVtejFXNG81bjdKb09vZjFHLW9Fa0ZpYkFIaEhrdmIybTNsUDJRd1BVTVlSMmdQMGNvSGRvMmtpQVhfMDAtdWVLUmtMM2ctU2I2R2habUg3RXBFUG85Qnk2THhmdUpoNi1VYjVKOE15Mk14c2NfX2h5aEsxRy1FT1J1b3N5c1ZBYkxHWjhSXzNraUJvQl9pUVJrZjl4MGNVU1FXUW55UDFvZThVOEt3dDVzag?oc=5) · TradingView
- 2026-09-08 [Branches stay open as Eagle Financial (EFSI) and John Marshall plan 2027 merger - stocktitan.net](https://news.google.com/rss/articles/CBMiyAFBVV95cUxPMEE5aTRmaEFjTmJxTE56OGtkYS1VSF9aSEZqc1ZOTzc0cE1JODIxNS1xYkRqRnd0QWcybS1uV0RkeFpDdXRIUWNFQTJjUENDT3FySmlXWE9USkJHU1JTVmZUYkIzTllJak9WM2JHaVRuZjRHcXR0U21CdUY1Wnhqd3VfbGZidXd3bEszWVZ0ZGxkcjBKQmNXb2tOSmZ6eDlKemNQazBzN3QtYkh3b2ZFdU5yN1RBSGNHbUJFMUt3Qi03Zjl4QkU0Sw?oc=5) · stocktitan.net

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58243 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/3.json (key "58243", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide