Bank call report · Lynchburg, VA
Bank of the James Call Report
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Bank of the James filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 041. Below are its 391 reported line items, schedule by schedule (991 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 041 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 2787770 |
| FDIC certificate number | 35207 |
| Total assets | $1.03B |
Official Q2 2026 call report PDF (FFIEC) →
Bank of the James call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 041.
Schedule RC: Balance Sheet (25 items)
About Schedule RC · Bank of the James balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $1.03B |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $1.03B |
| Total Liabilities and Minority Interest | RCON2948 | $952.0M |
| Total Deposits | RCON2200 | $938.1M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $798.8M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $692.7M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $686.1M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $236.8M |
| Deposits: Noninterest-bearing | RCON6631 | $139.3M |
| Total Equity Capital | RCON3210 | $81.6M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $81.6M |
| Undivided Profits and Capital Reserves | RCON3632 | $72.5M |
| Other Assets | RCON2160 | $43.4M |
| Surplus | RCON3839 | $22.3M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $21.7M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $18.4M |
| Accumulated Other Comprehensive Income | RCONB530 | -$16.9M |
| Interest-bearing Balances | RCON0071 | $16.6M |
| Other Liabilities, Total | RCON2930 | $13.8M |
| Allowance for Loan and Lease Losses | RCON3123 | $6.6M |
| Loans and Leases Held for Sale | RCON5369 | $5.7M |
| Common Stock | RCON3230 | $3.7M |
| Held to maturity securities (ASU 2016-13 adoption) | RCONJJ34 | $3.6M |
| Held-to-maturity Securities, Total | RCON1754 | $3.6M |
| Federal Funds Sold | RCONB987 | $1.4M |
Schedule RI: Income Statement (46 items)
About Schedule RI · Bank of the James income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $24.3M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $19.2M |
| Net Interest Income | RIAD4074 | $18.5M |
| Total Noninterest Expense | RIAD4093 | $17.2M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $11.1M |
| Salaries and Employee Benefits | RIAD4135 | $10.0M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $6.5M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $6.5M |
| Total Interest Expense | RIAD4073 | $5.9M |
| Total Noninterest Income | RIAD4079 | $5.4M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $5.4M |
| Other Noninterest Expense | RIAD4092 | $5.2M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $5.2M |
| Net Income (Loss) | RIAD4340 | $5.2M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $5.2M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $3.0M |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $2.7M |
| Other Noninterest Income | RIADB497 | $2.1M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $1.9M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $1.9M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $1.6M |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $1.3M |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $1.3M |
| Applicable Income Taxes | RIAD4302 | $1.2M |
| Interest on Other Securities | RIAD4060 | $1.2M |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $1.2M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $812K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $424K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $390K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $336K |
| Provision for Loan and Lease Losses | RIAD4230 | $318K |
| Fees and Commissions from Securities Brokerage | RIADC886 | $257K |
| Income from the Sale and Servicing of Mutual Funds and Annuities (in Domestic Offices) | RIAD8431 | $257K |
| Other Interest Income | RIAD4518 | $246K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $239K |
| Service Charges on Deposits in Domestic Office Overdraft Related for Individuals | RIADH032 | $224K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $204K |
| Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices | RIAD4024 | $129K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $125K |
| Service Charges on Deposits in Domestic Office Maintenance for Individuals | RIADH033 | $87K |
| Service Charges on Deposits in Domestic Office Atm-related for Individuals | RIADH034 | $14K |
| Interest Income on Federal Funds Sold and Securities Purchased Under Agreements to Resell | RIAD4020 | $11K |
| Service Charges on Deposits in Domestic Office All Other | RIADH035 | $11K |
| Net Gains (Losses) on Sales of Other Assets (Excluding Securities) | RIADB496 | -$8K |
| Realized Gains (Losses) on Available-for-sale Debt Securities | RIAD3196 | $1K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 163 |
Schedule RC-A: Cash and Balances Due from Depository Institutions (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Cash and Balances Due from Depository Institutions | RCON0010 | $35.0M |
| Balances Due from Federal Reserve Banks | RCON0090 | $14.5M |
| Balances Due from Depository Institutions in the U.S. | RCON0082 | $10.7M |
| Currency and Coin | RCON0080 | $5.1M |
| Cash Items in Process of Collection and Unposted Debits | RCON0020 | $4.7M |
Schedule RC-B: Securities (24 items)
About Schedule RC-B · Bank of the James securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Amortized Cost | RCONG302 | $14.2M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Fair Value | RCONG303 | $13.6M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Amortized Cost | RCONG306 | $79.8M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Fair Value | RCONG307 | $72.3M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $258.3M |
| Pledged Securities | RCON0416 | $113.4M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $85.3M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $80.7M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $63.5M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $60.2M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $55.1M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $51.5M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $41.1M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $27.2M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $20.9M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $20.3M |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCON1739 | $15.5M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $15.4M |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCON1741 | $15.1M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $14.5M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA558 | $4.8M |
| US government agency obligations (exclude mortgage-backed securities), Held-to-maturity, Amortized Cost | RCONHT50 | $3.6M |
| Total Fair Value of Held-to-maturity Securities | RCON1771 | $3.3M |
| US government agency obligations (exclude mortgage-backed securities), Held-to-maturity, Fair Value | RCONHT51 | $3.3M |
Schedule RC-C, Part I: Loans and Leases (33 items)
About Schedule RC-C, Part I · Bank of the James loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $698.3M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $197.2M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $190.8M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $167.8M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $145.1M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $109.6M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $93.0M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $80.7M |
| Commercial and Industrial Loans | RCON1766 | $67.3M |
| Commercial and Industrial Loans to U.S. Addressees | RCON1763 | $67.3M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $66.5M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $63.9M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $61.4M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $55.8M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $51.0M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $32.2M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $26.2M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $25.0M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $23.3M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $22.5M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $18.5M |
| Pledged Loans and Leases | RCONG378 | $15.4M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $12.1M |
| Real Estate Loans Secured by Farmland | RCON1420 | $10.6M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $10.3M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $8.4M |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $3.9M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $2.9M |
| Loans to Finance Commercial Real Estate, Construction, and Land Development Activities Included in Items 1766, 1563 for (Fr Y-9C), in Items 1766, 1563 for (FFIEC 031), in Items 1766, 1564 for (FFIEC 032 and 033), and in Items 1766, 2080 for (FFIEC 034) | RCON2746 | $2.4M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $1.9M |
| Revolving, open-end lines of credit secured by 1-4 family residential properties that have converted to non-revolving closed-end status that are included in item 1.c(1) above | RCONLE75 | $1.9M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $1.3M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $668K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (24 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $66.6M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $19.2M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $11.1M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $3.5M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $2.8M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $2.1M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $932K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $739K |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5589 | $572K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $171K |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5587 | $36K |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5585 | $24K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 229 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 202 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 124 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 74 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 65 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 61 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 6 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 4 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 3 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5588 | 2 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 1 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5586 | 1 |
Schedule RC-E: Deposit Liabilities (29 items)
About Schedule RC-E · Bank of the James deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $489.8M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $484.5M |
| Total Transaction Accounts | RCON2215 | $448.3M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $414.1M |
| Total Demand Deposits (See Note Below) | RCON2210 | $195.8M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $164.8M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $151.0M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Total Deposits in Those Other Savings Deposit Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP758 | $122.9M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $103.5M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $99.5M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $96.2M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $89.7M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $65.4M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Total Deposits in Those MMDA Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP756 | $65.3M |
| Total reciprocal deposits | RCONJH83 | $56.4M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $49.4M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $45.6M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Deposits in All Other Mmdas of Individuals, Partnerships and Corporations | RCONP757 | $38.2M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $34.2M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $25.8M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $25.4M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $20.2M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $17.3M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Deposits in All Other Other Savings Deposits Accounts of Individuals, Partnerships and Corporations | RCONP759 | $12.6M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $12.0M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $5.3M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $3.8M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $3.5M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK15 | $291K |
Schedule RC-F: Other Assets (8 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $19.5M |
| Net Deferred Tax Assets | RCON2148 | $7.3M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $5.3M |
| Life Insurance Assets: Hybrid Account Life Insurance Assets | RCONK270 | $4.6M |
| Accrued Interest Receivable | RCONB556 | $3.4M |
| Other Assets | RCON2168 | $3.3M |
| Prepaid Expenses | RCON2166 | $1.9M |
| Computer Software | RCONFT33 | $63K |
Schedule RC-G: Other Liabilities (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $10.7M |
| Deferred Compensation Liabilities | RCONC011 | $6.6M |
| Operating lease liabilities | RCONLB56 | $3.1M |
| Other Expenses Accrued and Unpaid | RCON3646 | $1.5M |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $1.1M |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $559K |
Schedule RC-K: Quarterly Averages (16 items)
About Schedule RC-K · Bank of the James quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $1.05B |
| Quarterly Average of Total Loans | RCON3360 | $667.3M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $414.4M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $341.0M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $232.2M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $186.8M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $180.9M |
| Mortgage-backed Securities | RCONB559 | $95.2M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $92.1M |
| All Other Securities | RCONB560 | $78.9M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $62.6M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $54.4M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $47.4M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $14.7M |
| Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers | RCON3386 | $4.2M |
| Quarterly Average of Federal Funds Sold and Securities Purchased Under Agreements to Resell | RCON3365 | $788K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (10 items)
About Schedule RC-L · Bank of the James derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $81.0M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $38.1M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $17.5M |
| Credit Card Lines: Other Unused Credit Card Lines | RCONJ456 | $12.8M |
| Unused Commitments - Credit Card Lines | RCON3815 | $12.8M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $9.3M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $8.7M |
| Commercial and Similar Letters of Credit | RCON3411 | $1.3M |
| Other unused commitments: Loans to depository financial institutions | RCONPV10 | $600K |
| Commercial Real Estate, Construction, and Land Development: Commitments to Fund Loans Not Secured by Real Estate | RCON6550 | $155K |
Schedule RC-M: Memoranda (2 items)
About Schedule RC-M · Bank of the James memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $5.5M |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 3 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (14 items)
About Schedule RC-N · Bank of the James past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $1.1M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $476K |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $437K |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $398K |
| Additions to Nonaccrual Assets | RCONC410 | $280K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $207K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Nonaccrual | RCON5400 | $130K |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $66K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-nonaccural | RCONC230 | $64K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Past Due 30 Through 89 Days and Still Accruing | RCON5398 | $64K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF178 | $45K |
| 1-4 Family Residential Construction Loans: Past Due 31 - 89 Days | RCONF172 | $30K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $25K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Nonaccrual | RCONK218 | $23K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (14 items)
About Schedule RC-O · Bank of the James other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $1.05B |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $942.1M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $571.2M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $338.7M |
| Estimated Amount of Uninsured Assessable Deposits in Domestic Offices of the Bank and in Insured Branches in Puerto Rico and U.S. Territories and Possessions, Including Related Interest Accrued and Unpaid | RCON5597 | $286.8M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $93.3M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $24.1M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $5.2M |
| Total Allowable Exclusions, Including Interest Accrued and Unpaid on Allowable Exclusions (Including Foreign Deposits) | RCONF237 | $2.8M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 34,384 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 831 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 512 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 15 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-P: 1-4 Family Residential Mortgage Banking Activities (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Retail originations during the quarter of 1-4 family residential mortgage loans for sale | RCONHT81 | $63.5M |
| Principal Amount of 1-4 Family Residential Mortgage Loans Sold During the Quarter | RCONFT04 | $62.3M |
| Quarter End Amount of 1-4 Family Residential Mortgage Loans Held for Sale or Trading | RCONFT05 | $5.7M |
| Noninterest income for the quarter from the sale, securitization, and servicing of 1-4 family residential mortgage loans | RIADHT85 | $1.5M |
Schedule RC-Q: Assets and Liabilities Measured at Fair Value on a Recurring Basis (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Available-for-sale Securities - Level 2 Fair Value Measurements | RCONG476 | $236.8M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes | RCONJA36 | $236.8M |
| Total Assets Measured at Fair Value on a Recurring Basis - Level 2 Fair Value Measurements | RCONG505 | $236.8M |
| Total Assets Measured at Fair Value on a Recurring Basis - Total Fair Value Reported on Schedule Rc | RCONG502 | $236.8M |
Schedule RC-R: Regulatory Capital (1 item)
About Schedule RC-R · Bank of the James regulatory capital trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets Before Deductions for Excess Allowance for Loan and Lease Losses and Allocated Transfer Risk Reserve - 100% | RCONB704 | $835.2M |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (21 items)
About Schedule RC-R, Part I · Bank of the James regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Total Assets (Net of Deductions) | RCOAA224 | $1.05B |
| Average total consolidated assets | RCOAKW03 | $1.05B |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $835.2M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $105.7M |
| Common Equity Tier 1 Capital | RCOAP859 | $98.6M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $98.6M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $98.6M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $81.6M |
| Retained Earnings | RCOAKW00 | $72.5M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $26.1M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$16.9M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$16.9M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $7.2M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $7.2M |
| Tier 2 Capital Before Deductions | RCOAP870 | $7.2M |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.1266 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.118 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.118 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.0938 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.0466 |
Schedule RC-R, Part II: Risk-Weighted Assets (60 items)
About Schedule RC-R, Part II · Bank of the James risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $835.2M |
| Total Risk-weighted Assets | RCONG641 | $835.2M |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $660.3M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $660.3M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $630.7M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $482.0M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $482.0M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $236.8M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $185.9M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $185.9M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $179.9M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $173.8M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $173.8M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $165.1M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $103.9M |
| Unconditionally Cancellable Commitments | RCONS540 | $93.8M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $86.9M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $76.0M |
| Total All Other Assets | RCOND981 | $65.1M |
| Available-for-sale Securities - 50 Pct Risk Weight Category | RCOND969 | $63.5M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $57.2M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $48.3M |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $46.3M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $37.2M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $35.9M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $35.9M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $35.0M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $30.9M |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $30.9M |
| Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures - 150 Pct Risk Weight Category | RCONS447 | $29.7M |
| Total Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures | RCONS445 | $29.7M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$28.0M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $26.0M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $24.2M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $24.2M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$21.4M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $20.8M |
| Available-for-sale Securities - 100 Pct Risk Weight Category | RCOND970 | $15.5M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $14.2M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $14.2M |
| Loans and Leases Held for Sale, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS416 | $5.7M |
| Total Loans and Leases Held for Sale, Residential Mortgage Exposures | RCONS413 | $5.7M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $5.2M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $5.2M |
| All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Exposure Amount | RCONH296 | $4.6M |
| All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Risk-weighted Asset Amount | RCONH297 | $4.6M |
| Total Balance Sheet Assets - Other Risk Weighting Approaches Exposure Amount | RCONH300 | $4.6M |
| Held-to-maturity Securities - 20 Pct Risk Weight Category | RCOND963 | $3.6M |
| Total Held-to-maturity Securities | RCOND961 | $3.6M |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $1.7M |
| Federal Funds Sold in Domestic Offices | RCOND971 | $1.4M |
| Federal Funds Sold in Domestic Offices - 20 Pct Risk Weight Category | RCOND973 | $1.4M |
| Commercial and Similar Letters of Credit with an Original Maturity of One Year or Less - Face, Notional, or Other Amount | RCONG606 | $1.3M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS455 | $1.1M |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $1.1M |
| All Other Assets - 0 Pct Risk Weight Category | RCOND982 | $873K |
| All Other Assets - 50 Pct Risk Weight Category | RCOND984 | $685K |
| Commercial and Similar Letters of Credit with an Original Maturity of One Year or Less - 100 Pct Risk Weight Category | RCONG611 | $260K |
| Commercial and Similar Letters of Credit with an Original Maturity of One Year or Less - Credit Equivalent Amount | RCONG607 | $260K |
| Allocation by Risk Weight Category 150%, All Other Assets | RCONH185 | $84K |
Schedule RI-A: Changes in Bank Equity Capital (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $81.6M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $78.4M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $78.4M |
| Other Comprehensive Income | RIADB511 | -$2.0M |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (7 items)
About Schedule RI-B, Part I · Bank of the James charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $312K |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $285K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $141K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $88K |
| Recoveries on Commercial and Industrial Loans | RIAD4608 | $53K |
| Charge-offs on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens | RIADC235 | $15K |
| Charge-offs on Commercial and Industrial Loans | RIAD4638 | $12K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (4 items)
About Schedule RI-B, Part II · Bank of the James changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $6.6M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $6.5M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $312K |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | -$114K |
Schedule RI-C: Disaggregated Data on the Allowance for Credit Losses (12 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Loans and Leases, Held for Investment, Total, Amortized Cost | RCONJJ11 | $692.7M |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Amortized Cost | RCONJJ05 | $379.5M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Amortized Cost | RCONJJ06 | $180.1M |
| Loans and Leases, Held for Investment, Commerical loans, Amortized Cost | RCONJJ07 | $71.0M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Amortized Cost | RCONJJ04 | $48.2M |
| Loans and Leases, Held for Investment, Other consumer loans, Amortized Cost | RCONJJ09 | $13.9M |
| Loans and Leases, Held for Investment, Total, Allowance Balance | RCONJJ19 | $6.6M |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Allowance Balance | RCONJJ13 | $3.2M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Allowance Balance | RCONJJ14 | $1.9M |
| Loans and Leases, Held for Investment, Commerical loans, Allowance Balance | RCONJJ15 | $811K |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Allowance Balance | RCONJJ12 | $502K |
| Loans and Leases, Held for Investment, Other consumer loans, Allowance Balance | RCONJJ17 | $183K |
Schedule RI-E: Explanations (18 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Bank Card and Credit Card Interchange Fees | RIADF555 | $1.0M |
| Data Processing Expenses | RIADC017 | $994K |
| Second Itemized Amount That Exceeds 10% of Other Noninterest Expense (4092) | RIAD4467 | $621K |
| First Itemized Amount That Exceeds 10% of Other Noninterest Expense (4092) | RIAD4464 | $537K |
| Earnings On/increase in Value of Cash Surrender Value of Life Insurance | RIADC014 | $425K |
| Marketing and Other Professional Services | RIAD0497 | $418K |
| Third Itemized Amount That Exceeds 10% of Other Noninterest Expense (4092) | RIAD4468 | $227K |
| Accounting and Auditing Expenses | RIADF556 | $160K |
| Second Itemized Amount That Exceeds 10% of All Other Noninterest Income (5408) | RIAD4462 | $148K |
| Consulting and Advisory Expense | RIADF557 | $142K |
| Directors' Fees | RIAD4136 | $130K |
| Operating Expenses Communications - Postage, Monthly | RIAD8403 | $62K |
| Printing, Stationery, and Supplies | RIADC018 | $35K |
| Telecommunications Expense | RIADF559 | $32K |
| Income and Fees from the Printing and Sale of Checks | RIADC013 | $26K |
| Safe Deposit Box Rent | RIADC015 | $23K |
| Third Itemized Amount That Exceeds 10% of All Other Noninterest Income (5408) | RIAD4463 | $10K |
| Legal Expense | RIAD4141 | $4K |
Bank of the James call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Bank of the James call report?
The Bank of the James call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Bank of the James file?
Bank of the James files the FFIEC 041. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Bank of the James call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Bank of the James has Federal Reserve RSSD ID 2787770 and FDIC certificate number 35207. Either one finds its filings on the FFIEC Central Data Repository.
How often does Bank of the James file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Bank of the James financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 35207) · FFIEC NIC profile (RSSD 2787770)