Bank of the James: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Bank of the James is an FDIC-insured commercial bank. Total assets stand at $1.0B. Profitability tracks the broader industry: ROA 1.08%, ROE 14.13%, NIM 3.81%. Regulatory capital is solid, 11.80% CET1 and 12.66% total risk-based capital ratio. Credit metrics are pristine, with nonperforming loans at just 0.16%. Bank of the James operates a 22-branch network.
As of June 30, 2026, Bank of the James reported a CET1 capital ratio of 11.80%, a return on assets of 1.08%, a nonperforming-loan ratio of 0.16%, a Texas ratio of 1.24%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 828 Main St, Lynchburg, VA 24504
- County
- Lynchburg City
- Metro Area
- Lynchburg, VA
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- July 22, 1999
- Offices
- 22 domestic
- Employees (FTE)
- 163
- Domestic deposits
- $938.1M
- Allowance for credit losses
- $6.6M
- Net charge-offs (YTD)
- $171K
- Average total assets
- $1.05B
- Average total loans
- $667.3M
- Average interest-bearing deposits
- $807.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 22, 1999
- FDIC Cert
- 35207
- Fed RSSD
- 2787770
- SEC CIK
- 1275101 → filed by BANK OF THE JAMES FINANCIAL GROUP, INC.
- Website
- www.bankofthejames.bank →
- Parent Holding Company
- BANK OF THE JAMES FINANCIAL GROUP, INC. (RSSD 3217032) · BOTJ
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Syrek Michael A | PRES | President - Bank of the James |
| Scruggs J Todd | TREAS | Secretary-Treasurer |
| Umberger Harry P Jr | CCO | EVP - Chief Credit Officer |
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Bank of the James terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Bank of the James, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Bank of the James rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.80% | 1.08% | 0.16% | 1.24% | 3.81% |
| Q1 2026 | 12.12% | 0.91% | 0.22% | 1.69% | 3.66% |
| Q4 2025 | 11.73% | 0.99% | 0.25% | 2.01% | 3.65% |
| Q3 2025 | 11.45% | 0.90% | 0.29% | 2.33% | 3.65% |
| Q2 2025 | 11.38% | 0.95% | 0.28% | 2.43% | 3.55% |
| Q1 2025 | 11.84% | 0.23% | 0.27% | 2.30% | 3.32% |
| Q4 2024 | 11.92% | 0.62% | 0.25% | 2.20% | 3.44% |
| Q3 2024 | 12.58% | 0.69% | 0.20% | 1.55% | 3.29% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 22 branches →
| 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 |
Regulatory record
What the public regulatory sources show for Bank of the James, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action November 8, 2012. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in VA, rank 35 of 105 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Bank of the James
What are Bank of the James's total assets?
As of the Q2 2026 filing, Bank of the James reported total assets of $1.03 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Bank of the James headquartered?
Bank of the James is headquartered in Lynchburg, VA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Bank of the James founded?
Bank of the James was established in 1999, per the FDIC institution directory.
Is Bank of the James FDIC-insured?
Yes. Bank of the James is an FDIC-insured commercial bank (FDIC Certificate #35207). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of the James?
Bank of the James's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Bank of the James's CET1 capital ratio?
Bank of the James reported a Common Equity Tier 1 (CET1) capital ratio of 11.80% in its Q2 2026 call report, above regulatory requirements.
How many branches does Bank of the James operate?
Bank of the James operates 22 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of the James's Texas Ratio?
Bank of the James's Texas Ratio is 1.24% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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