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Bank of the James

Lynchburg, VA · Cert 35207 · Bk James Finl Group Inc.

State charter, Fed member · FED · 22 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

18

Q2 2024Q2 2026peer median (50)

Asset Quality

63

Q2 2024Q2 2026peer median (50)

Profitability

49

Q2 2024Q2 2026peer median (50)

Liquidity

42

Q2 2024Q2 2026peer median

Efficiency

16

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bank of the James

Lynchburg, VA · Cert 35207 · Bk James Finl Group Inc.

State charter, Fed member · FED · 22 branches

Q2 2026

$1.0BAssets
$698.3MLoans
$938.1MDeposits
$81.6MEquity
Loan mix
89%RE $581.9M9%C&I $58.0M2%Consumer $14.1MQ2 2025Q2 2026
Deposit mix
85%Interest-bearing $798.8M15%Noninterest $139.3MQ2 2025Q2 2026

NIM

4.51%Q2 ’244.55%Q2 ’254.63%Q2 ’26+6%+8%

Non-interest income vs. expense

3.20%Q2 ’243.58%Q2 ’253.27%Q2 ’26+15%-14%

Market Position · Lynchburg, VA · 2026 SOD (annual) · 12.8% share · #3 of 17 inst. · $0.8B of $6.2B

15.6% Lynchburg (City)
10.6% Bedford
21.2% Amherst
8.1% Campbell

Executive Summary

  • Earnings: ROA of 1.01%, up 41 bps year over year; NIM at 3.51%.
  • Asset quality: problem loans at 0.16% of loans (-12 bps YoY), with net charge-offs at 0.05%.
  • Capital: tier 1 leverage ratio of 9.38%, up 53 bps from a year ago.
  • Funding: loans stand at 74.44% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.01%+41 bps YoY

Net Interest Margin (YTD, annualized)

3.51%+26 bps YoY

Efficiency Ratio (YTD, annualized)

72.05%-1,261 bps YoY

Tier 1 Leverage Ratio

9.38%+53 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.60%0.70%0.78%0.91%1.01%+41 bps
Return on Equity8.54%9.82%10.75%12.04%13.08%+454 bps
Net Interest Margin3.25%3.31%3.28%3.45%3.51%+26 bps
Efficiency Ratio84.66%81.63%78.76%75.61%72.05%-1,261 bps
Non-Interest Burden2.61%2.52%2.37%2.38%2.24%-36 bps
Growth
Asset Growth (YoY)3.29%1.30%6.37%5.02%3.35%+6 bps
Loan Growth (YoY)5.06%4.07%3.72%0.62%5.87%+81 bps
Deposit Growth (YoY)3.34%1.31%5.67%4.38%2.25%-110 bps
Asset Quality
Nonperforming Loans / Loans0.28%0.29%0.25%0.22%0.16%-12 bps
Net Charge-Offs / Loans0.06%0.05%0.06%0.10%0.05%-1 bps
Allowance / Loans0.96%0.95%0.96%0.94%0.94%-1 bps
Allowance Coverage of NPLs3.4x3.3x3.8x4.3x6.0x+2.6x
Capital
Tier 1 Leverage Ratio8.85%9.05%9.05%9.18%9.38%+53 bps
Total Risk-Based Capital12.19%12.25%12.54%12.98%12.66%+47 bps
Equity / Assets6.98%7.42%7.60%7.57%7.90%+92 bps
Liquidity & Funding
Loans / Deposits71.89%71.91%71.37%68.62%74.44%+255 bps
Liquid Assets / Assets6.66%6.99%6.48%7.31%1.95%-471 bps
CRE / Total Capitaln/a436%426%414%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Bank of the James

Lynchburg, VA · Cert 35207 · Peer group: banks $1B-$10B in assets (n=322-328) · Bk James Finl Group Inc.

State charter, Fed member · FED · 22 branches

Q2 2026

$1.0BAssets
$698.3MLoans
$938.1MDeposits
$81.6MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 82% of banks $1B-$10B in assets (rank 60 of 322).
  • Widest gap: equity / assets trails 95% of banks $1B-$10B in assets (rank 311 of 328).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.01%

Rank 223 of 328

Net Interest Margin

3.51%

Rank 151 of 328

Efficiency Ratio

72.05%

Rank 278 of 328

Equity / Assets

7.90%

Rank 311 of 328

Non-interest income vs. expense

$10.8M$34.4MINCOMEEXPENSE
Unfavorable gap of $23.6M · efficiency ratio beats 16% of banks $1B-$10B in assets
Bank 72.05%Peer median 59.6%Q1 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.01%0.91%1.22%1.52%Beats 32%223 / 328
Return on Equity12.81%8.43%11.45%14.43%Beats 61%127 / 328
Net Interest Margin3.51%3.03%3.45%3.83%Beats 54%151 / 328
Efficiency Ratio72.05%51.61%59.56%67.53%Beats 16%278 / 328
Asset Quality
Nonperforming Loans / Loans0.16%0.24%0.51%1.03%Beats 82%60 / 322
Net Charge-Offs / Loans0.04%0.01%0.03%0.10%Beats 43%185 / 322
Capital
Tier 1 Capital Ratio11.80%11.75%13.15%15.47%Beats 25%245 / 328
Total Risk-Based Capital Ratio12.66%12.63%14.15%16.46%Beats 25%245 / 328
Equity / Assets7.90%9.15%10.33%12.01%Beats 5%311 / 328
Liquidity & Funding
Loans / Deposits74.44%76.63%87.92%95.36%22nd pctl253 / 323
Loans / Assets67.56%65.18%74.15%79.98%30th pctl230 / 328
Brokered Deposits / Depositsn/aNot reported for this institution