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 Bank of the James
Bank of the James
| RSSD ID 2787770 | CERTIFICATE 35207 | ABA NUMBER 51409016 |
| 828 Main St |
Quarter Ended : |
2025-12-31 |
| Lynchburg, Virginia, 24504 |
Updated : |
2026-01-30 |
| www.bankofthejames.bank |
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| Institution Profile |
| Year Opened : |
1999 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FED |
| Member Federal Reserve : |
Yes |
S-Corp : |
No |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
041 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
22 |
Number of Employees : |
153 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 1,031,900 |
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Total Interest Income | 47,166 |
| Total Liabilities | 953,488 |
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Total NonInterest Income | 10,286 |
| Total Bank Equity Capital | 78,412 |
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Total Interest Expense | 13,231 |
| Total Deposits | 940,597 |
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Total NonInterest Expense | 34,829 |
| Net Loans & Leases | 661,358 |
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Net Income | 7,788 |
| Loan Loss Allowance | 6,450 |
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Net Charge Offs | 428 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 100,197 |
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Total loans | 655,555 |
| Total assets for the leverage ratio | 1,035,821 |
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Loans secured by real estate: | 587,702 |
| Tier 1 Leverage Ratio | 9.05 |
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Commercial and industrial loans | 57,651 |
| Tier 1 Capital Ratio | 11.73 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 12.54 |
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Loans to individuals - Other | 16,079 |
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:· Bank of the James
