Bank of the James
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Data as of · sourced from FFIEC call reports. How we update
Bank of the James is an FDIC-insured commercial bank headquartered in Lynchburg, VA, established in 1999 (FDIC certificate 35207), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $1.03B, up 3.4% from Q2 2025, the 29th largest of 56 banks headquartered in Virginia. Its CET1 capital ratio was 11.80% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 35207
- Headquarters
- Lynchburg, VA
- Established
- 1999
- Total assets, Q2 2026
- $1.03B
- Assets vs Q2 2025
- +3.4%
- CET1 ratio, Q2 2026
- 11.80%
- Domestic offices
- 22 FDIC institution directory, current count
- Routing number
- 051409016
- Latest call report
- Q2 2026, FFIEC 041 · Bank of the James call report
- Holding company
- BANK OF THE JAMES FINANCIAL GROUP, INC.
- Asset rank in state
- 29th of 56 in Virginia
Bank of the James, based in Lynchburg, Virginia, reported $1.0 billion in assets at June 30, 2026, up 3.4% from a year earlier. It pays an average of 1.22% on its deposits and borrowings, lower than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median 2.01%). On the other hand, it funds 9.38% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.52%).
Net income for the quarter rose 19% from a year earlier, to $2.8 million. Over the same year, loans grew 5.9% and deposits grew 2.2%. Costs are the weak spot: it spends about 69 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 58 cents).
As of June 30, 2026, Bank of the James reported a CET1 capital ratio of 11.80%, a return on assets of 1.08%, a nonperforming-loan ratio of 0.16% and a Texas ratio of 1.24%. The figures come from its call report filed with the FFIEC.
Bank of the James ranks as the 29th largest of the 56 banks based in Virginia, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 1.8% to $1.03B, loans rose 6.1% and deposits fell 2.2%. 1-4 family residential loans made up 26.6% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 24.0%. Its 22 offices in the FDIC Summary of Deposits are in 14 cities in VA; its Lynchburg 6 offices book 37% of its branch deposits. Judged on its Q2 2026 call report, Bank of the James meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 828 Main St, Lynchburg, VA 24504
- County
- Lynchburg City
- Metro Area
- Lynchburg, VA
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- July 22, 1999
- Domestic offices
- 22 FDIC institution directory, current count
- Employees (FTE)
- 163
- Domestic deposits
- $938.1M
- Allowance for credit losses
- $6.6M
- Net charge-offs (YTD)
- $171K
- Average total assets
- $1.05B
- Average total loans
- $667.3M
- Average interest-bearing deposits
- $807.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 22, 1999
- FDIC Cert
- 35207
- Fed RSSD
- 2787770
- SEC CIK
- 1275101 → filed by BANK OF THE JAMES FINANCIAL GROUP, INC.
- Website
- www.bankofthejames.bank →
- Parent Holding Company
- BANK OF THE JAMES FINANCIAL GROUP, INC. (RSSD 3217032) · BOTJ
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Michael A Syrek | PRES | President - Bank of the James |
| Scruggs J Todd | TREAS | Secretary-Treasurer |
| Harry P Umberger Jr | CCO | EVP - Chief Credit Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Bank of the James's total assets moved between a low of $951.7M (Q3 2023) and a high of $1.05B (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.03B total assets against $1.00B; $952.0M total liabilities against $930.3M.
$691.7M net loans and leases against $653.3M; $938.1M total deposits against $917.5M.
$240.4M securities against $200.2M; $36.4M cash and balances due against $83.7M.
$12.3M total interest income against $11.6M; $2.9M total interest expense against $3.2M.
$9.5M net interest income against $8.4M.
$3.0M total noninterest income against $2.8M; $8.5M total noninterest expense against $8.8M.
$350K provision for credit losses against -$528K.
$2.8M net income against $2.4M.
1.08% return on assets against 0.95%; 3.81% net interest margin against 3.55%.
11.80% CET1 capital ratio against 11.38%; 9.38% tier 1 leverage ratio against 8.85%.
Inside the full Bank of the James terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Bank of the James rankings
Its closest position to the top of a national ranking is 1,008 of 4,196, for total assets; its furthest is 1,772 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.23% (Q1 2025) to 1.08% (Q2 2026) and its net interest margin ran from 3.29% (Q3 2024) to 3.81% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.80% | 1.08% | 0.16% | 1.24% | 3.81% |
| Q1 2026 | 12.12% | 0.91% | 0.22% | 1.69% | 3.66% |
| Q4 2025 | 11.73% | 0.99% | 0.25% | 2.01% | 3.65% |
| Q3 2025 | 11.45% | 0.90% | 0.29% | 2.33% | 3.65% |
| Q2 2025 | 11.38% | 0.95% | 0.28% | 2.43% | 3.55% |
| Q1 2025 | 11.84% | 0.23% | 0.27% | 2.30% | 3.32% |
| Q4 2024 | 11.92% | 0.62% | 0.25% | 2.20% | 3.44% |
| Q3 2024 | 12.58% | 0.69% | 0.20% | 1.55% | 3.29% |
Swipe the table sideways to see every column.
Branch Network
View all 22 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bank of the James (main office) | Lynchburg , VA | 24504 | $183.8M |
| Forest Branch | Forest , VA | 24551 | $138.4M |
| Madison Heights Branch | Madison Heights , VA | 24572 | $68.6M |
| Bedford Branch | Bedford , VA | 24523 | $60.5M |
| Altavista Branch | Altavista , VA | 24517 | $59.4M |
| Boonsboro Branch | Lynchburg , VA | 24503 | $59.3M |
| Fort Avenue Branch | Lynchburg , VA | 24502 | $55.0M |
| Amherst Branch | Amherst , VA | 24521 | $51.0M |
| Harrisonburg Hight Street Branch | Harrisonburg , VA | 22801 | $49.1M |
| Appomattox Branch | Appomattox , VA | 24522 | $40.1M |
| Westminster-Canterbury Branch | Lynchburg , VA | 24503 | $29.0M |
| Rustburg Branch | Rustburg , VA | 24588 | $24.1M |
| Roanoke Oak Grove Branch | Roanoke , VA | 24018 | $22.1M |
| Lexington South Main Branch | Lexington , VA | 24450 | $21.4M |
| Charlottesville 5th St Station Branch | Charlottesville , VA | 22902 | $21.0M |
| Westminster-Canterbury Blue Ridge Branch | Charlottesville , VA | 22911 | $14.4M |
| Peakland Branch | Lynchburg , VA | 24503 | $11.4M |
| Timberlake Branch | Lynchburg , VA | 24502 | $11.3M |
| Nellysford Branch | Nellysford , VA | 22958 | $8.7M |
| Charlottesville Water St Branch | Charlottesville , VA | 22902 | $8.0M |
| Buchanan Branch | Buchanan , VA | 24066 | $1.7M |
| Roanoke Electric Road Branch | Roanoke , VA | 24018 | $2K |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action November 8, 2012. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in VA, rank 35 of 102 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $48K approved, $48K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2002 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Bank of the James
What are Bank of the James's total assets?
As of the Q2 2026 filing, Bank of the James reported total assets of $1.03 billion in its FFIEC call report.
Where is Bank of the James headquartered?
It is headquartered in Lynchburg, VA, United States.
When was Bank of the James founded?
It was established in 1999, per the FDIC institution directory.
Is Bank of the James FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #35207). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of the James?
Bank of the James's primary federal regulator is the Federal Reserve.
What is Bank of the James's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.80% in its Q2 2026 call report, above regulatory requirements.
How many branches does Bank of the James operate?
It operates 22 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of the James's Texas Ratio?
Its Texas Ratio is 1.24% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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