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
Unfavorable gap of $23.6M · efficiency ratio beats 16% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.01% | 0.91% | 1.22% | 1.52% | Beats 32% | 223 / 328 | |
| Return on Equity | 12.81% | 8.43% | 11.45% | 14.43% | Beats 61% | 127 / 328 | |
| Net Interest Margin | 3.51% | 3.03% | 3.45% | 3.83% | Beats 54% | 151 / 328 | |
| Efficiency Ratio | 72.05% | 51.61% | 59.56% | 67.53% | Beats 16% | 278 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.16% | 0.24% | 0.51% | 1.03% | Beats 82% | 60 / 322 | |
| Net Charge-Offs / Loans | 0.04% | 0.01% | 0.03% | 0.10% | Beats 43% | 185 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 11.80% | 11.75% | 13.15% | 15.47% | Beats 25% | 245 / 328 | |
| Total Risk-Based Capital Ratio | 12.66% | 12.63% | 14.15% | 16.46% | Beats 25% | 245 / 328 | |
| Equity / Assets | 7.90% | 9.15% | 10.33% | 12.01% | Beats 5% | 311 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 74.44% | 76.63% | 87.92% | 95.36% | 22nd pctl | 253 / 323 | |
| Loans / Assets | 67.56% | 65.18% | 74.15% | 79.98% | 30th pctl | 230 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |