Lenders › John Marshall Bank
7(a) lenderReston, VirginiaFDIC-insured bank502nd of 2,184 by approvals
John Marshall Bank
SBA 7(a) loan approvals by fiscal year, where they went, how large they were, and how loans from earlier years turned out.
SBA approvals by fiscal year. The federal fiscal year runs 1 October to 30 September, so FY2025 is 1 October 2024 to 30 September 2025. *FY2026 is open: approvals to 30 Jun 2026 only.
John Marshall Bank (Reston, Virginia) is an FDIC-insured bank in the SBA 7(a) program, 502nd of 2,184 by approvals in FY2021 to FY2025: 51 loans worth $26.4M.
In FY2025, the latest complete fiscal year, it had 15 approvals totalling $7.2M, down 12% on FY2024 (17). FY2026 to 30 Jun 2026 adds 9 more.
The median approval was $350K, against $190K for the 7(a) program as a whole; 23.5% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 4 states and territories and 11 counties, led by Virginia (80.4%), District of Columbia (9.8%) and Maryland (7.8%). The largest industry group was accommodation and food services at 29.4% of approvals, and 21.6% of approvals were to franchise businesses.
John Marshall Bank has fewer than 30 disbursed loans from the FY2010 to FY2021 approval years on record, too few for a charge-off rate to be shown.
Loan status is as recorded by SBA at the data date; charge-off rates are computed on loans approved at least five fiscal years ago. Jobs supported are self-reported estimates from the SBA loan application, which SBA does not review, audit or validate. Loans appear under the lender they are assigned to today, so a lender's figures include loans it took over. Data through 30 Jun 2026.
Approvals by fiscal year
| Fiscal year | Approvals | Dollars approved | Median approval | Average approval | Jobs supported, as reported |
|---|---|---|---|---|---|
| FY2026* | 9 | $1.6M | $150K | $183K | 119 |
| FY2025 | 15 | $7.2M | $300K | $479K | 309 |
| FY2024 | 17 | $8.0M | $425K | $473K | 461 |
| FY2023 | 13 | $5.6M | $350K | $433K | 267 |
| FY2022 | 3 | $4.2M | $1.7M | $1.4M | 171 |
| FY2021 | 3 | $1.4M | $250K | $467K | 11 |
| FY2020 | 0 | — | — | — | 0 |
| FY2019 | 0 | — | — | — | 0 |
| FY2018 | 0 | — | — | — | 0 |
| FY2017 | 0 | — | — | — | 0 |
| FY2016 | 0 | — | — | — | 0 |
Approvals are counted in the year SBA approved them and include approvals later cancelled. In the five fiscal years before the current window (FY2016–FY2020) the lender had 0 approvals. First approval on file: FY2011.
How earlier loans turned out
Only loans approved at least five fiscal years ago (FY2010–FY2021) are counted, because newer loans have had little time to be paid in full or charged off. "Charged off" is SBA's status for a loan on which it has written off the remaining balance.
| Loans approved FY2010–FY2021 | This lender | Virginia | 7(a) program |
|---|---|---|---|
| Approvals in these years | 5 | 9,784 | 639,905 |
| Cancelled or never disbursed | 0 | 1,259 | 79,313 |
| Disbursed loans | 5 | 8,525 | 560,592 |
| Paid in full | 3 | 6,432 | 435,813 |
| Charged off | 0 | 665 | 36,891 |
| Still outstanding (status exempt from disclosure) | 2 | 1,428 | 87,888 |
| Charged off, share of disbursed loans | too few loans | 7.8% | 6.6% |
| Dollars charged off, share of disbursed dollars | too few loans | 3.2% | 2.5% |
| Dollars charged off | — | $121M | $5.70bn |
Against the 7(a) program
| FY2021–FY2025 | This lender | 7(a) program |
|---|---|---|
| Median approval | $350K | $190K |
| Average approval | $518K | $518K |
| Approvals of $150,000 or less | 23.5% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 64.7% | 34.3% |
| Approvals to franchise businesses | 21.6% | 11.5% |
| Jobs supported per approval, as reported | 23.9 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | too few loans | 6.6% |
States served
| # | State of the business (4 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Virginia | 41 | $22.4M | 80.4% | |
| 2 | District of Columbia | 5 | $2.5M | 9.8% | |
| 3 | Maryland | 4 | $1.3M | 7.8% | |
| 4 | New York | 1 | — | 2.0% |
In Virginia the lender accounts for 0.8% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (11 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Fairfax County, VA | 20 | $11.0M | 39.2% | |
| 2 | Loudoun County, VA | 11 | $7.0M | 21.6% | |
| 3 | District of Columbia, DC | 5 | $2.5M | 9.8% | |
| 4 | Montgomery County, MD | 3 | $1.2M | 5.9% | |
| 5 | Alexandria city, VA | 3 | $800K | 5.9% | |
| 6 | Manassas city, VA | 3 | $581K | 5.9% | |
| 7 | Arlington County, VA | 2 | — | 3.9% | |
| 8 | Prince William County, VA | 1 | — | 2.0% | |
| 9 | Fairfax city, VA | 1 | — | 2.0% | |
| 10 | New York County, NY | 1 | — | 2.0% | |
| 11 | Anne Arundel County, MD | 1 | — | 2.0% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 15 | 29.4% | |
| 2 | Retail Trade | 10 | 19.6% | |
| 3 | Professional, Scientific, and Technical Services | 7 | 13.7% | |
| 4 | Manufacturing | 6 | 11.8% | |
| 5 | Health Care and Social Assistance | 3 | 5.9% | |
| 6 | Information | 3 | 5.9% | |
| 7 | Educational Services | 2 | 3.9% | |
| 8 | Other Services (except Public Administration) | 2 | 3.9% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 14 | 27.5% | |
| 2 | Management, Scientific, and Technical Consulting ServicesNAICS 5416 | 3 | 5.9% | |
| 3 | Specialty Food StoresNAICS 4452 | 2 | 3.9% | |
| 4 | Other Food ManufacturingNAICS 3119 | 2 | 3.9% | |
| 5 | Other Schools and InstructionNAICS 6116 | 2 | 3.9% | |
| 6 | Bakeries and Tortilla ManufacturingNAICS 3118 | 2 | 3.9% | |
| 7 | Sporting Goods, Hobby, and Musical Instrument RetailersNAICS 4591 | 2 | 3.9% | |
| 8 | Offices of Other Health PractitionersNAICS 6213 | 2 | 3.9% | |
| 9 | Beverage ManufacturingNAICS 3121 | 2 | 3.9% | |
| 10 | Offices of DentistsNAICS 6212 | 1 | 2.0% |
Approval sizes
- $50,000 or less2.0%1
- $50,001 to $150,00021.6%11
- $150,001 to $350,00031.4%16
- $350,001 to $1 million31.4%16
- $1 million to $2 million13.7%7
Loan terms
- Over 5 to 10 years66.7%34
- Over 10 to 20 years33.3%17
Age of the businesses
- Existing, more than 2 years old35.3%18
- New business, 2 years or less21.6%11
- Startup, loan funds will open the business43.1%22
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | Preferred Lenders Program | 25 | 49.0% | |
| 2 | 7a General | 24 | 47.1% | |
| 3 | SBA Express Program | 2 | 3.9% |
Franchise share
11 of 51 approvals in FY2021–FY2025 (21.6%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | Paris Baguette | 3 | 5.9% | |
| 2 | Gameday Men's Health | 3 | 5.9% | |
| 3 | Jet's Pizza | 1 | 2.0% | |
| 4 | Bruster's Real Ice Cream | 1 | 2.0% | |
| 5 | Cinnabon | 1 | 2.0% | |
| 6 | The UPS Store | 1 | 2.0% | |
| 7 | NerdsToGo | 1 | 2.0% |
Questions and answers
How many SBA loans does John Marshall Bank make?
SBA approved 15 7(a) loans through John Marshall Bank in FY2025, worth $7.2M, and 51 over FY2021 to FY2025. That ranks 502nd of 2,184 active 7(a) lenders by number of approvals.
How large are John Marshall Bank's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $350K and the average $518K. The program-wide median was $190K.
What is John Marshall Bank's charge-off rate?
John Marshall Bank has fewer than 30 disbursed loans from the FY2010 to FY2021 approval years on record, too few for a charge-off rate to be shown. Loans are listed under the lender that holds them today, so the figure includes loans taken over from other lenders. Status is as recorded by SBA on 30 Jun 2026.
Which industries does John Marshall Bank lend to most?
By number of approvals in FY2021 to FY2025: restaurants and other eating places (14); management, scientific, and technical consulting services (3); specialty food stores (2); other food manufacturing (2).
Where does John Marshall Bank make SBA loans?
In 4 states and territories. Virginia 41, District of Columbia 5, Maryland 4, New York 1. In Virginia it accounts for 0.8% of all 7(a) approvals.
Is John Marshall Bank's SBA lending rising?
Volumes are too small to compare periods.
Where does this data come from?
From the Small Business Administration's 7(a) and 504 FOIA loan files, as of 30 Jun 2026. Borrower names and addresses in those files are discarded when the files are read and appear nowhere on this site.
About these figures
Figures are totals of the Small Business Administration's 7(a) and 504 FOIA loan files, data through 30 Jun 2026. SBA updates the files quarterly. Counts are loan approvals, including approvals later cancelled; the five-year window is FY2021–FY2025, the five latest complete fiscal years. Charge-off rates use only loans approved in FY2010–FY2021, at least five fiscal years ago, and count disbursed loans SBA records as charged off. Loans are listed under the lender they are assigned to today. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error