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  <xsd:element name="ServicingAssetsValuationAllowance" id="jmsb_ServicingAssetsValuationAllowance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="NatureOfBankingActivitiesPolicyPolicyTextBlock" id="jmsb_NatureOfBankingActivitiesPolicyPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="PaymentsForVestedRestrictedStockAwardsNetOfSharesSurrendered" id="jmsb_PaymentsForVestedRestrictedStockAwardsNetOfSharesSurrendered" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="ScheduleOfPastDueStatusToRiskRatingForLoansTableTextBlock" id="jmsb_ScheduleOfPastDueStatusToRiskRatingForLoansTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="FederalHomeLoanBankAdvancesOneMember" id="jmsb_FederalHomeLoanBankAdvancesOneMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="PaymentsForProceedsFromLoanAndLeaseHeldForInvestment" id="jmsb_PaymentsForProceedsFromLoanAndLeaseHeldForInvestment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="NumberOfLoanModifications" id="jmsb_NumberOfLoanModifications" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="NumberOfAdvances" id="jmsb_NumberOfAdvances" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="TwoThousandTwentyFivePlanMember" id="jmsb_TwoThousandTwentyFivePlanMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="GainLossOnPremisesAndEquipmentMember" id="jmsb_GainLossOnPremisesAndEquipmentMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="OtherOperatingIncomeMember" id="jmsb_OtherOperatingIncomeMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="TimeDepositMaturitiesAfterYearFour" id="jmsb_TimeDepositMaturitiesAfterYearFour" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="TimeDepositsFairValueDisclosure" id="jmsb_TimeDepositsFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="OtherDepositsFairValueDisclosure" id="jmsb_OtherDepositsFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="NumberOfCollateralDependentLoansIndividuallyEvaluatedForCreditRisk" id="jmsb_NumberOfCollateralDependentLoansIndividuallyEvaluatedForCreditRisk" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="FinancingReceivableRecordedInvestmentPastDueTotalAndNonaccrualStatus" id="jmsb_FinancingReceivableRecordedInvestmentPastDueTotalAndNonaccrualStatus" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivableUnguaranteedPortionChargeOff" id="jmsb_FinancingReceivableUnguaranteedPortionChargeOff" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="SmallBusinessAssociationMember" id="jmsb_SmallBusinessAssociationMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
</xsd:schema>
