# BANK OF THE JAMES
LYNCHBURG, VA · FDIC certificate 35207 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $1.03B | |
| Deposits | $938.1M | |
| Loans and leases | $698.3M | |
| Total equity | $81.6M | |
| Loans / deposits | 73.74% (p22 of band) | 87.10% |
| Liquid assets / assets | 26.78% (p69 of band) | |
| Uninsured deposits / deposits | 30.57% (p50 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p6 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.38% (p21 of band) | 10.50% |
| Unrealized securities loss / equity | -26.65% (p12 of band) | -7.75% |
| AOCI / equity | -2.45% (p3 of band) | |
| ROA (annualized) | 1.01% (p31 of band) | 1.26% |
| Net interest margin | 3.85% (p59 of band) | 3.70% |
| Efficiency ratio | 72.05% (p82 of band) | |
| Noncurrent loans | 0.16% (p19 of band) | 0.51% |
| Net charge-offs (annualized) | 0.03% (p56 of band) | |
| Reserve coverage of noncurrent | 604.67% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 59.17% (p62 of band) | |
| Auto loans | $668,000 (0.10% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 2.3% | |
| Employees | 163 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 1 |  | construction >100% equity |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | reserve under noncurrent |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | uninsured deposits leaving |  |
| 2014-03 | 0 |  | uninsured deposits leaving |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | liquid assets <10% |  |
| 2015-03 | 0 |  | liquid assets <10% |
| 2015-06 | 1 | capital falling |  |
| 2015-09 | 2 | liquid assets <10% |  |
| 2015-12 | 1 |  | liquid assets <10% |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 2 | charge-offs p90 |  |
| 2018-03 | 0 |  | capital falling, charge-offs p90 |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 3 | construction >100% equity |  |
| 2022-12 | 3 | assets shrinking | construction >100% equity |
| 2023-03 | 1 |  | AOCI drag >20% of equity, assets shrinking |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | securities losses >30% of equity |
| 2024-12 | 1 | securities losses >30% of equity |  |
| 2025-03 | 2 | expense ratio p90 |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 1 |  | securities losses >30% of equity |
| 2025-12 | 1 |  |  |
| 2026-03 | 0 |  | expense ratio p90 |
| 2026-06 | 0 |  |  |

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

- 2026-07-26 [The Bank of the James Stadium - Hill City Howlers - Stadium Journey](https://news.google.com/rss/articles/CBMikAFBVV95cUxNalp1bjFaeHpjZDBLRXY2bEZUVDlESExSa0p5SG5mX2pac3AtaURqTnF3TXBURzA0NjY5eWFoNXljYlM1UEg4MWRjdG80NUJBbUJHOUNKVXNMWktBLWw0WHpZbkdYR3JOakdvckRrRjRpdXdrS1lEUHlIeDBKYkpTNzBSbTRETGUxS2dQS1BiYjU?oc=5) · Stadium Journey
- 2026-07-30 [Bank of the James Announces Second Quarter of 2026 and First Half of 2026 Financial Results and Declaration of Dividend - Yahoo Finance](https://news.google.com/rss/articles/CBMiogFBVV95cUxNVEFzaHpjMlVmUEhLRkViZ3JIRmNvelV4bHZZVlNxbklTWnNsWkk4NnFMRGdyOGtlbHBacGZNSHctRVVtUjdjd29pemY3UVpBczJHM1Vack9TZUpxbnpiZWV2aHNhUXA1UWxSTElxN05RTURBQjkyRnlweWZYN2c1MHEzb0l5aGRaQ054b2Y0U255VjhsclFsX3dCX3VITTRIQXc?oc=5) · Yahoo Finance
- 2026-02-28 [Softball Splits Again at Bank of the James Invitational - University of Pennsylvania Athletics](https://news.google.com/rss/articles/CBMiowFBVV95cUxQVHp6UlZGa1BfTEsxMTZXZTJTb2Y1bEVPakxISlpnenBvaFY5OHE5ZUVjeThaMzd1aTNHNUlSVHNRUTVXNWMzOU9kUHFWMDg5M0lhRXhBSWUxVHp6R21qemcyNFVjaVdxNnVpRGczY1FTQS1rdHVkMzBqX2FvUE4zSXlneGRlNEJuN2FDVE1TMUhxa0tSMkMxZlVqQTJ6OTEydTBr?oc=5) · University of Pennsylvania Athletics
- 2026-08-31 [Short Interest in Bank of the James Financial Group, Inc. (NASDAQ:BOTJ) Decreases By 38.0% - marketbeat.com](https://news.google.com/rss/articles/CBMi3wFBVV95cUxPTDVSX1M0SmNOQ2UzRUUydG1kU1FMdjJZaWZTNmRPREU0X1d6UW9xVWpqWEg0cW9OWTZfRUd4YXNKV1hyZDVTM3pZU3BhTUZOSzFaa1JPYUU1YVhvSGdZdkw0LTI5R2E1NHhHZUxqT3E5ZzZPZkRBSHc2QTRES2Y3b1lFaFNhVDhwQ2dad3REY3FrY1lXZEdWZ0YtbmFCeHNwT2Nxc3VPV2xRV25EanJfUzc3a091N1VKckpiVFNlUXdFSlY1bXk4Q0ZKSG1pWUpRLV8xY0RnVmtyRUxOSHMw?oc=5) · marketbeat.com
- 2026-03-02 [Longwood, Bank of the James Announce Scholarship Recipients - Longwood University Athletics](https://news.google.com/rss/articles/CBMiswFBVV95cUxPazZ1Nmt6MGJjU05mWUVoMTNCOWE3MzhxQWt3M1lCMmlwWHNjbkVITUZRblhRVnpVbWExb3k1ZEh1dW1FdkVaclhJMV81a1pfcE9Ic2hFNHhsMTg5VVpLLTBmQkJtY09vTGpSOS1nVG8ybkk3amR0MXo1R1pVY3Q5VmRuVjM3ckhkeXZmOUdXT3RGeDhFYWNtQjF6MWZzMmN3NmhSOTZTd3FibEN0ejV4OUZLbw?oc=5) · Longwood University Athletics
- 2026-09-04 [Bank of the James Financial Group (NASDAQ: BOTJ) Stock Price, News & Analysis - kalkine.ca](https://news.google.com/rss/articles/CBMiUEFVX3lxTE5nWWN6Zkk1WS15a29GQUd2cm84TzNJR2YzVEthbjVEWWpoTDdKNl9NeExJNWF6cXVCY1VLU2FlaDk5bnJqZGI2WWw5cEQ2TmpF?oc=5) · kalkine.ca
- 2026-03-09 [Visit City Stadium, home of the Hill City Howlers - mlb.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxOeVJZcUNwa3dSeVlEMk1lRjdBTWFCQkxENEtIa2NONkh2ZmFPeEQwQ05lV3dKVWs0ZXdzRnk3Rzg1NDZIRjhpWExweDQwa2swaGZGWmtrakR4YUdwTXFpN0tKbFNCcVdMci1tR1cwZ2hrd1R5d0U0Z3I2MVQ0My0xWTZldUNwbXloU2I2SF9uSGY5NkZGNk5fV2F0amQ?oc=5) · mlb.com
- 2026-01-09 [Bank of the James Financial Group, Inc. Announces Retirement of Co-Founder and Director J. Todd Scruggs - GlobeNewswire](https://news.google.com/rss/articles/CBMihwJBVV95cUxNMXhlQk4wUGdQSHIxanhsVU9qVkdTZjh4cE1va0QyU0JIU2RDeHNpQUVsRGV0dHItTXhycE5iMGFRbWw0ZDYwVVJkanV1SVhDRVhnLWRnT1QwTTB6blpOaTYwYW1ybS1UVEk1dXVsS3A5NkFuVDhOcW1QNUFDbmljTk5qOF81azE4d1kxQTNhZ28zeVU5Wl9HSGVLUGdtTTJwQ1lodW9Ed0xhUU1IQVZDcEgxZE1tNkd5d1BpeVFUMVRmRzktelh6NEp3OEp3Z3U5a0FTQmhJSW9IZTZTTTRCeTd6Z2xVQ01GSFZtY3E1LXRpZUdnQ3NHdU9QdWJmcGNKZzBQdmg1bw?oc=5) · GlobeNewswire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35207 (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/7.json (key "35207", 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