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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.69% | 0.64% | 0.23% | 0.96% | 0.90% | 1.00% | 0.91% | 1.09% | +13 bps | |
| Return on Equity | 9.35% | 8.70% | 3.30% | 13.59% | 12.46% | 13.36% | 12.04% | 14.13% | +54 bps | |
| Net Interest Margin | 3.13% | 3.25% | 3.15% | 3.36% | 3.44% | 3.45% | 3.45% | 3.60% | +24 bps | |
| Efficiency Ratio | 79.12% | 82.91% | 91.88% | 78.28% | 75.88% | 70.87% | 75.61% | 68.76% | -952 bps | |
| Non-Interest Burden | 2.26% | 2.53% | 2.83% | 2.38% | 2.37% | 2.12% | 2.38% | 2.12% | -26 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.91% | 1.09% | 2.85% | 3.29% | 1.30% | 6.37% | 5.02% | 3.35% | +6 bps | |
| Loan Growth (YoY) | 4.46% | 6.00% | 6.77% | 5.06% | 4.07% | 3.72% | 0.62% | 5.87% | +81 bps | |
| Deposit Growth (YoY) | 3.15% | 1.07% | 2.69% | 3.34% | 1.31% | 5.67% | 4.38% | 2.25% | -110 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.20% | 0.25% | 0.27% | 0.28% | 0.29% | 0.25% | 0.22% | 0.16% | -12 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.00% | 0.03% | 0.10% | 0.01% | 0.12% | 0.10% | 0.01% | -9 bps | |
| Allowance / Loans | 1.11% | 1.09% | 1.07% | 0.96% | 0.95% | 0.96% | 0.94% | 0.94% | -1 bps | |
| Allowance Coverage of NPLs | 5.5x | 4.3x | 3.9x | 3.4x | 3.3x | 3.8x | 4.3x | 6.0x | +2.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.62% | 9.04% | 9.12% | 8.85% | 9.05% | 9.05% | 9.18% | 9.38% | +53 bps | |
| Total Risk-Based Capital | 13.52% | 12.84% | 12.75% | 12.19% | 12.25% | 12.54% | 12.98% | 12.66% | +47 bps | |
| Equity / Assets | 7.63% | 6.97% | 7.11% | 6.98% | 7.42% | 7.60% | 7.57% | 7.90% | +92 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.01% | 72.71% | 71.18% | 71.89% | 71.91% | 71.37% | 68.62% | 74.44% | +255 bps | |
| Liquid Assets / Assets | 9.92% | 5.95% | 8.01% | 6.66% | 6.99% | 6.48% | 7.31% | 1.95% | -471 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 436% | 426% | 414% | n/a | n/a | |