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Bank Of The James
Lynchburg, VA · FDIC Certificate #35207 · Chartered 07/2
Total assets
$1.03B
Total deposits
$938.14M
Total equity
$81.64M
Net loans
$691.74M
Branches (offices)
22
Net income (YTD)
$5.23M
Rank: #1,016 of 4,213 U.S. banks by assets · #29 of 56 in Virginia. Assets changed 3.4% and deposits 2.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.01% |
| Return on equity | 13.08% |
| Net interest margin (YTD) | 3.85% |
| Equity to assets | 7.90% |
| Tier 1 leverage ratio | 9.38% |
| Uninsured deposits (share of deposits) | 30.6% |
| Noncurrent loans (share of loans) | 0.16% |
| Net charge-offs (share of loans) | 0.05% |
| Loans to deposits | 73.7% |
| Real estate loans (share of loans) | 88.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $613.24M | 88.7% | |
| Commercial & industrial | $67.28M | 9.7% | |
| Consumer / individual | $13.90M | 2.0% | |
| Construction & development | $48.31M | 7.0% | |
| Agricultural | $3.91M | 0.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $949.41M | $877.61M | $4.23M | $61.86M |
| Jun 2023 | $941.22M | $869.73M | $4.25M | $61.09M |
| Jun 2024 | $968.18M | $887.83M | $3.76M | $68.92M |
| Jun 2025 | $1.00B | $917.51M | $2.97M | $69.78M |
| Jun 2026 | $1.03B | $938.14M | $5.23M | $81.64M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Virginia | $938.14M | 22 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $938.14M.
Similar-sized banks
Security State Bank ($1.03B) · R Bank ($1.03B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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