John Marshall Bancorp is the holding company for John Marshall Bank, a Virginia-chartered commercial bank headquartered in Reston, Virginia, focused on serving small and mid-sized businesses, their owners, professionals, and nonprofits in the Washington D.C. metro area. The bank's core product is commercial lending, primarily commercial real estate, construction and development loans, and commercial and industrial loans, with residential mortgages as a secondary business. Like most commercial banks, John Marshall Bank earns the bulk of its revenue from the spread between deposit costs and loan yields. On the funding side, the bank gathers deposits from its commercial customers, with particular emphasis on noninterest-bearing operating accounts, which serve as low-cost funding. The bank operates a branch-lite model, relying on relationship managers — experienced local bankers hired specifically to bring existing client relationships — rather than a broad retail branch network. The bank targets specific commercial niches where it has subject-matter expertise, including government contractors, nonprofits, charter schools, and title companies. John Marshall Bank's growth strategy is organic and relationship-driven, centered on recruiting seasoned bankers and capitalizing on customer displacement caused by ongoing consolidation among larger banks in the D.C. market. The bank operates eight branches across Northern Virginia, Montgomery County in Maryland, and the District of Columbia. The bank also holds a minority stake in a private insurance agency, through which it cross-sells insurance products to customers.