Lynchburg, VA · Cert 35207 · Bk James Finl Group Inc.
State charter, Fed member · FED · 22 branches
Q2 2026
Market Position · Lynchburg, VA · 2026 SOD (annual) · 12.8% share · #3 of 17 inst. · $0.8B of $6.2B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.60% | 0.70% | 0.78% | 0.91% | 1.01% | +41 bps | |
| Return on Equity | 8.54% | 9.82% | 10.75% | 12.04% | 13.08% | +454 bps | |
| Net Interest Margin | 3.25% | 3.31% | 3.28% | 3.45% | 3.51% | +26 bps | |
| Efficiency Ratio | 84.66% | 81.63% | 78.76% | 75.61% | 72.05% | -1,261 bps | |
| Non-Interest Burden | 2.61% | 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 / Loans | 0.28% | 0.29% | 0.25% | 0.22% | 0.16% | -12 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.05% | 0.06% | 0.10% | 0.05% | -1 bps | |
| Allowance / Loans | 0.96% | 0.95% | 0.96% | 0.94% | 0.94% | -1 bps | |
| Allowance Coverage of NPLs | 3.4x | 3.3x | 3.8x | 4.3x | 6.0x | +2.6x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.85% | 9.05% | 9.05% | 9.18% | 9.38% | +53 bps | |
| Total Risk-Based Capital | 12.19% | 12.25% | 12.54% | 12.98% | 12.66% | +47 bps | |
| Equity / Assets | 6.98% | 7.42% | 7.60% | 7.57% | 7.90% | +92 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 71.89% | 71.91% | 71.37% | 68.62% | 74.44% | +255 bps | |
| Liquid Assets / Assets | 6.66% | 6.99% | 6.48% | 7.31% | 1.95% | -471 bps | |
| CRE / Total Capital | n/a | 436% | 426% | 414% | n/a | n/a | |