Bank of the James: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The largest change between Q1 2026 and Q2 2026 was in Accumulated other comprehensive income, which fell 5.7% to -$16.9M. On CET1 ratio, Bank of the James is 5th from the bottom among 44 Virginia banks, 11.80% (Q2 2026). Bank of the James reported 11.80% on CET1 ratio for Q2 2026, 1.68 points below the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.80% |
| Tier 1 risk-based capital ratio | 11.80% |
| Total risk-based capital ratio | 12.66% |
| Tier 1 leverage ratio | 9.38% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $98.6M |
| Tier 1 capital | $98.6M |
| Total risk-based capital | $105.7M |
| Total equity capital | $81.6M |
| Risk-weighted assets | $835.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.90% |
| Tangible equity to tangible assets | 7.90% |
| Equity capital to average assets | 7.77% |
| Internal capital growth rate | 14.30% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.7M |
| Common stock surplus | $22.3M |
| Retained earnings | $72.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$16.9M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 12.11% | 12.11% | 13.11% | 9.48% | $738.8M |
| Q4 2023 | 12.37% | 12.37% | 13.38% | 9.57% | $737.5M |
| Q1 2024 | 12.62% | 12.62% | 13.56% | 9.60% | $734.8M |
| Q2 2024 | 12.45% | 12.45% | 13.38% | 9.51% | $747.7M |
| Q3 2024 | 12.58% | 12.58% | 13.52% | 9.62% | $753.3M |
| Q4 2024 | 11.92% | 11.92% | 12.84% | 9.04% | $766.6M |
| Q1 2025 | 11.84% | 11.84% | 12.75% | 9.12% | $772.9M |
| Q2 2025 | 11.38% | 11.38% | 12.19% | 8.85% | $781.6M |
| Q3 2025 | 11.45% | 11.45% | 12.25% | 9.05% | $796.1M |
| Q4 2025 | 11.73% | 11.73% | 12.54% | 9.05% | $799.3M |
| Q1 2026 | 12.12% | 12.12% | 12.98% | 9.18% | $790.1M |
| Q2 2026 | 11.80% | 11.80% | 12.66% | 9.38% | $835.2M |
Bank of the James regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of the James, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bank of the James profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35207) · FFIEC NIC profile (RSSD 2787770)