Bank of the James: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Loans and leases to core deposits: 6.35 percentage points higher than in Q1 2026, at 78.58%. Within Virginia, Bank of the James is 39th of 56 on loan-to-deposit ratio, 74.44% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Bank of the James sits 13.76 points lower, at 74.44% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $36.4M |
| Cash and noninterest-bearing balances to assets | 3.39% |
| Cash and securities | $276.8M |
| Fed funds sold and reverse repos | $1.4M |
| Fed funds sold and reverse repos to assets | 0.14% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 74.44% |
| Net loans and leases to deposits | 73.74% |
| Loans and leases to core deposits | 78.58% |
| Core deposits to total deposits | 94.73% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 69.13% | 96.34% | $0 | $0 |
| Q4 2023 | 69.33% | 96.20% | $0 | $0 |
| Q1 2024 | 68.46% | 95.62% | $0 | $0 |
| Q2 2024 | 70.72% | 95.27% | $0 | $0 |
| Q3 2024 | 70.01% | 95.11% | $0 | $0 |
| Q4 2024 | 72.71% | 95.03% | $0 | $0 |
| Q1 2025 | 71.18% | 95.37% | $0 | $0 |
| Q2 2025 | 71.89% | 94.66% | $0 | $0 |
| Q3 2025 | 71.91% | 94.42% | $0 | $0 |
| Q4 2025 | 71.37% | 94.90% | $0 | $0 |
| Q1 2026 | 68.62% | 95.00% | $0 | $0 |
| Q2 2026 | 74.44% | 94.73% | $0 | $0 |
Bank of the James liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of the James, freeSource: Call Report Schedules RC and RC-M, 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)