Bank of the James: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bank of the James of Lynchburg, VA against its peer group of 927 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.08% | 1.46% | -0.38% | 35th below |
| ROAE | 14.13% | 12.69% | +1.44% | 64th above |
| Net Interest Margin Behind the peer average, ahead of the median peer. | 3.81% | 3.85% | -0.04% | 57th above |
| Efficiency Ratio | 68.67% | 57.40% | +11.27% | 23rd bottom |
| PPNR / Avg Assets | 1.48% | 1.88% | -0.40% | 36th below |
| Yield on Earning Assets | 4.98% | 5.72% | -0.74% | 19th bottom |
| Cost of Funds | 1.22% | 2.02% | -0.80% | 89th top |
| Net Interest Spread | 3.54% | 3.18% | +0.36% | 79th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.16% | 1.00% | -0.84% | 84th top |
| NPA / Total Assets | 0.11% | 0.76% | -0.65% | 86th top |
| NCO / Avg Loans | 0.01% | 0.43% | -0.42% | 63rd above |
| ACL / Total Loans | 0.94% | 1.31% | -0.37% | 23rd bottom |
| ACL / NPLs (Coverage) | 604.67% | 564.34% | +40.33% | 85th top |
| Texas Ratio | 1.24% | 7.39% | -6.15% | 84th top |
| Provision / NCO Behind the peer average, ahead of the median peer. | 185.96% | 618.75% | -432.79% | 55th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.80% | 17.34% | -5.54% | 20th bottom |
| Tier 1 Ratio | 11.80% | 17.37% | -5.57% | 20th bottom |
| Total Capital Ratio | 12.66% | 18.42% | -5.76% | 17th bottom |
| Leverage Ratio | 9.38% | 11.44% | -2.06% | 20th bottom |
| Equity / Assets | 7.90% | 11.34% | -3.44% | 6th bottom |
| TCE / Tangible Assets | 7.90% | 10.50% | -2.60% | 10th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 74.44% | 86.96% | -12.52% | 79th top |
| Core Deposit Ratio | 94.73% | 85.55% | +9.18% | 83rd top |
| Uninsured Deposit Ratio | 30.57% | 33.13% | -2.56% | 51st above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.35% | 9.68% | -6.33% | 37th below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.87% | 8.06% | -2.19% | 51st above |
| Deposit Growth (Y/Y) | 2.25% | 7.88% | -5.63% | 32nd below |
See Bank of the James's peers by name
The 927 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bank of the James, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Bank of the James profile, how to read a UBPR, or how this data updates.