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 Bank of the James
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Bank of the James
| RSSD ID 2787770 | CERTIFICATE 35207 | ABA NUMBER 51409016 |
| 828 Main St |
Quarter Ended : |
2026-03-31 |
| Lynchburg, Virginia, 24504 |
Updated : |
2026-04-28 |
| 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 : |
163 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 1,052,925 |
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Total Interest Income | 11,979 |
| Total Liabilities | 973,217 |
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Total NonInterest Income | 2,454 |
| Total Bank Equity Capital | 79,708 |
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Total Interest Expense | 2,981 |
| Total Deposits | 959,221 |
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Total NonInterest Expense | 8,659 |
| Net Loans & Leases | 649,132 |
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Net Income | 2,379 |
| Loan Loss Allowance | 6,201 |
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Net Charge Offs | 158 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 102,547 |
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Total loans | 656,307 |
| Total assets for the leverage ratio | 1,043,135 |
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Loans secured by real estate: | 585,717 |
| Tier 1 Leverage Ratio | 9.18 |
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Commercial and industrial loans | 60,735 |
| Tier 1 Capital Ratio | 12.12 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 12.98 |
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Loans to individuals - Other | 15,547 |
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:· Bank of the James
