<span item_type="fundamental" item_id="ea6e3b1182d8f12372d9a4dd821087c3" counter_id="ST/US/JMSB" env="prod"></span><span item_type="announcement" item_id="576878941992583169" env="prod"></span><p>Revenue: As of FY2025 Q3, the actual value is USD 29.6 M.</p><p>EPS: As of FY2025 Q3, the actual value is USD 0.38.</p><p>EBIT: As of FY2025 Q3, the actual value is USD -8.737 M.</p><p></p><h3>Net Income</h3><ul><li>Net income for the quarter ended September 30, 2025: $5.4 million, an increase of $1.2 million or 27.6% compared to $4.2 million for the quarter ended September 30, 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1710482/000110465925103565/jmsb-20251029xex99d1.htm"></span></li><li>Net income for the nine months ended September 30, 2025: $15.3 million, an increase of $3.0 million or 24.1% compared to the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1710482/000110465925103565/jmsb-20251029xex99d1.htm"></span></li></ul><h3>Net Interest Income</h3><ul><li>Net interest income for the quarter ended September 30, 2025: $15.6 million, an increase of $2.4 million or 18.6% compared to $13.2 million for the quarter ended September 30, 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1710482/000110465925103565/jmsb-20251029xex99d1.htm"></span></li><li>Net interest income for the nine months ended September 30, 2025: $44.6 million, an increase of $7.6 million or 20.7% compared to the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1710482/000110465925103565/jmsb-20251029xex99d1.htm"></span></li></ul><h3>Non-Interest Income</h3><ul><li>Non-interest income for the quarter ended September 30, 2025: $653 thousand, an increase of $36 thousand or 5.8% compared to $617 thousand for the quarter ended September 30, 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1710482/000110465925103565/jmsb-20251029xex99d1.htm"></span></li><li>Non-interest income for the nine months ended September 30, 2025: $1.7 million, a decrease of $325 thousand or 16.3% compared to the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1710482/000110465925103565/jmsb-20251029xex99d1.htm"></span></li></ul><h3>Non-Interest Expense</h3><ul><li>Non-interest expense for the quarter ended September 30, 2025: $9.0 million, an increase of $1.0 million or 12.5% compared to $8.0 million for the quarter ended September 30, 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1710482/000110465925103565/jmsb-20251029xex99d1.htm"></span></li><li>Non-interest expense for the nine months ended September 30, 2025: $25.6 million, an increase of $1.7 million or 7.3% compared to the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1710482/000110465925103565/jmsb-20251029xex99d1.htm"></span></li></ul><h3>Efficiency Ratio</h3><ul><li>Efficiency ratio for the quarter ended September 30, 2025: 55.6%, compared to 58.3% for the quarter ended September 30, 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1710482/000110465925103565/jmsb-20251029xex99d1.htm"></span></li><li>Efficiency ratio for the nine months ended September 30, 2025: 55.3%, compared to 61.2% for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1710482/000110465925103565/jmsb-20251029xex99d1.htm"></span></li></ul><h3>Return on Average Assets (ROAA)</h3><ul><li>ROAA for the quarter ended September 30, 2025: 0.94%, compared to 0.73% for the quarter ended September 30, 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1710482/000110465925103565/jmsb-20251029xex99d1.htm"></span></li><li>ROAA for the nine months ended September 30, 2025: 0.91%, compared to 0.73% for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1710482/000110465925103565/jmsb-20251029xex99d1.htm"></span></li></ul><h3>Return on Average Equity (ROAE)</h3><ul><li>ROAE for the quarter ended September 30, 2025: 8.31%, compared to 7.00% for the quarter ended September 30, 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1710482/000110465925103565/jmsb-20251029xex99d1.htm"></span></li><li>ROAE for the nine months ended September 30, 2025: 8.05%, compared to 6.97% for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1710482/000110465925103565/jmsb-20251029xex99d1.htm"></span></li></ul><h3>Tax-Equivalent Net Interest Margin (Non-GAAP)</h3><ul><li>Tax-equivalent net interest margin for the quarter ended September 30, 2025: 2.73%, compared to 2.30% for the quarter ended September 30, 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1710482/000110465925103565/jmsb-20251029xex99d1.htm"></span></li><li>Tax-equivalent net interest margin for the nine months ended September 30, 2025: 2.67%, compared to 2.20% for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1710482/000110465925103565/jmsb-20251029xex99d1.htm"></span></li></ul><h3>Loans and Deposits</h3><ul><li>Total loans, net of unearned income, as of September 30, 2025: $1.94 billion, an increase of $95.5 million or 5.2% compared to $1.84 billion as of September 30, 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1710482/000110465925103565/jmsb-20251029xex99d1.htm"></span></li><li>Total deposits as of September 30, 2025: $1.97 billion, an increase of $32.7 million or 1.7% compared to $1.94 billion as of September 30, 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1710482/000110465925103565/jmsb-20251029xex99d1.htm"></span></li></ul><h3>Asset Quality</h3><ul><li>As of September 30, 2025, the Company had no loans greater than 30 days past due, no non-accrual loans, and no other real estate owned assets.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1710482/000110465925103565/jmsb-20251029xex99d1.htm"></span></li><li>The Company recorded no net charge-offs during the third quarter of 2025 and there were no loans classified as substandard as of September 30, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1710482/000110465925103565/jmsb-20251029xex99d1.htm"></span></li></ul><h3>Capital Ratios</h3><ul><li>Total risk-based capital ratio as of September 30, 2025: 16.6%, compared to 16.3% as of September 30, 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1710482/000110465925103565/jmsb-20251029xex99d1.htm"></span></li><li>Tier 1 risk-based capital ratio as of September 30, 2025: 15.5%, compared to 15.3% as of September 30, 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1710482/000110465925103565/jmsb-20251029xex99d1.htm"></span></li><li>Common equity tier 1 ratio as of September 30, 2025: 15.5%, compared to 15.3% as of September 30, 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1710482/000110465925103565/jmsb-20251029xex99d1.htm"></span></li><li>Leverage ratio as of September 30, 2025: 12.7%, compared to 11.9% as of September 30, 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1710482/000110465925103565/jmsb-20251029xex99d1.htm"></span></li></ul><h3>Outlook / Guidance</h3><ul><li>The Company is on track to produce a significant increase in loan commitments in 2025, with year-to-date gross loan production 34% ahead of last year.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1710482/000110465925103565/jmsb-20251029xex99d1.htm"></span></li><li>Additional Federal Open Market Committee rate reductions and a continuing normalization of the yield curve could enhance performance by increasing loan demand, lowering the cost of funds, and further improving net interest margin and profitability.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1710482/000110465925103565/jmsb-20251029xex99d1.htm"></span></li><li>The Company believes it has the capital, liquidity, market opportunity, and team to support growth and increase shareholder value.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1710482/000110465925103565/jmsb-20251029xex99d1.htm"></span></li></ul>

John Marshall Bancorp | 8-K: FY2025 Q3 Revenue: USD 29.6 M