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Bank of the James Locations & Branches Lynchburg, Virginia
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Bank of the James operates 22 branches from its headquarters in Lynchburg, VA, . Its main office is at 828 Main St, Lynchburg, VA 24504.
Bank of the James branch network
All 22 branches are in VIRGINIA, across 14 cities. Lynchburg, VA has the most of its branches, 6. Its largest office by deposits is its main office in Lynchburg, VA, with $183.8M (19.6% of its branch deposits). It had the same number of branches on June 30, 2025.
Bank of the James at a glance
Its CET1 capital ratio was 11.80% at Q2 2026, above regulatory requirements.
- Total assets, Q2 2026
- $1.03B
- CET1 ratio, Q2 2026
- 11.80%
- Deposit insurance
- FDIC
- Regulator
- Federal Reserve
- Latest call report
- Q2 2026, FFIEC 041
- Established
- 1999
Full financial profile · Is Bank of the James safe? · Bank of the James call report · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Lynchburg, VA (6 branches) | 3 of 14 | 12.6% | $349.8M |
| State: VA (22 branches) | 35 of 102 | 0.3% | $938.1M |
Ranked by total assets among banks headquartered in the state: Largest banks in Virginia.
Share by county and metro area
Bank of the James's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Lynchburg City, VA (5 branches) | 4 of 12 | 15.6% | $338.4M | $2.17B |
| Bedford, VA (2 branches) | 6 of 12 | 10.6% | $198.9M | $1.87B |
| Amherst, VA (2 branches) | 3 of 6 | 21.2% | $119.6M | $564.3M |
| Campbell, VA (3 branches) | 4 of 11 | 8.1% | $94.9M | $1.17B |
| Harrisonburg City, VA (1 branch) | 12 of 14 | 2.4% | $49.1M | $2.06B |
| Appomattox, VA (1 branch) | 4 of 4 | 9.5% | $40.1M | $419.9M |
| Albemarle, VA (2 branches) | 12 of 15 | 1.2% | $35.4M | $2.92B |
| Roanoke, VA (2 branches) | 10 of 11 | 0.8% | $22.1M | $2.64B |
| Lexington City, VA (1 branch) | 4 of 5 | 4.2% | $21.4M | $503.6M |
| Nelson, VA (1 branch) | 3 of 3 | 5.8% | $8.7M | $150.6M |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Lynchburg, VA (13 branches) | 3 of 17 | 12.8% | $791.9M | $6.20B |
| Charlottesville, VA (4 branches) | 14 of 15 | 0.8% | $52.0M | $6.15B |
| Harrisonburg, VA (1 branch) | 12 of 15 | 1.4% | $49.1M | $3.50B |
| Roanoke, VA (3 branches) | 14 of 17 | 0.3% | $23.8M | $9.15B |
| 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 |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 35207) · FFIEC NIC profile (RSSD 2787770)