Bank of the James quarterly financials
As reported to the FDIC. Dollar values are period-end balances. Net income is for the single quarter, derived from the FDIC's year-to-date figures by subtracting the prior quarter's report. Ratios (ROA, ROE, NIM) are FDIC-computed annualized year-to-date values.
| Quarter | Assets | Deposits | Net loans | Equity | Net income | ROA | ROE | NIM | Noncurrent |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.1B | $959M | $652M | $80M | $2M | 0.91% | 12.04% | 3.74% | 0.22% |
| Q4 2025 | $1.0B | $941M | $665M | $78M | $3M | 0.78% | 10.75% | 3.68% | 0.25% |
| Q3 2025 | $1.0B | $922M | $657M | $75M | $2M | 0.70% | 9.82% | 3.64% | 0.29% |
| Q2 2025 | $1.0B | $918M | $653M | $70M | $2M | 0.60% | 8.54% | 3.59% | 0.28% |
| Q1 2025 | $1.0B | $919M | $647M | $71M | $574K | 0.23% | 3.30% | 3.49% | 0.27% |
| Q4 2024 | $970M | $890M | $640M | $68M | $2M | 0.72% | 10.03% | 3.45% | 0.25% |
| Q3 2024 | $998M | $910M | $630M | $76M | $2M | 0.75% | 10.30% | 3.38% | 0.20% |
| Q2 2024 | $968M | $888M | $621M | $69M | $2M | 0.78% | 10.93% | 3.38% | 0.13% |
| Q1 2024 | $975M | $895M | $606M | $69M | $2M | 0.77% | 10.84% | 3.26% | 0.09% |
| Q4 2023 | $960M | $881M | $603M | $68M | $2M | 0.82% | 12.67% | 3.55% | 0.06% |
| Q3 2023 | $952M | $883M | $603M | $59M | $2M | 0.85% | 13.52% | 3.57% | 0.10% |
| Q2 2023 | $941M | $870M | $617M | $61M | $2M | 0.91% | 14.30% | 3.61% | 0.07% |
Transcribed from FDIC BankFind Suite quarterly financial data (Call Report-derived). Income in Call Reports is filed year-to-date; per-quarter net income shown here is the difference between consecutive reports within the same year. NIM = net interest margin; “Noncurrent” = noncurrent loans as a share of total loans. These figures describe reported financials only and are not a safety rating or a prediction about the institution.