BANK OF THE JAMES

LYNCHBURG, VA | Large | Est. July 22, 1999, midnight | FDIC #35207 | RSSD #2787770 | FED
Latest Report: 2025-12-31

BANK OF THE JAMES is aln large FDIC-insured commercial bank headquartered in LYNCHBURG, VA, established in July 22, 1999, midnight. As of 2025-12-31, the bank reported total assets of $1.0B and total deposits of $941M. Profitability stands at 1.00% ROA and 13.36% ROE, with a net interest margin of 3.80%. The bank's CET1 capital ratio is 11.73%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.25% and a Texas Ratio of 2.01%. FDIC Certificate #35207.

Assets

$1.0B

Deposits

$941M

Loans

$671M

Equity

$78M

Profitability

Return on Assets (ROA) 1.00%
Return on Equity (ROE) 13.36%
Net Interest Margin (NIM) 3.80%
Yield on Assets 5.21%
Cost of Funds 1.42%

Asset Quality

NPL Ratio 0.25%
Net Charge-Off Ratio 0.06%
Texas Ratio 2.01%
NPA Ratio 0.17%
ACL / Loans 0.96%

Capital & Liquidity

CET1 Ratio 11.73%
Tier 1 Capital 11.73%
Total Capital Ratio 12.54%
Leverage Ratio 9.05%
Loan-to-Deposit 71.37%

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