Bank of the James
Lynchburg, Virginia, Lynchburg City County
$1.0B in total assets, the 1,037th largest of 4,309 US banks and 29th of 57 headquartered in Virginia.
- FDIC certificate
- 35207
- Established
- 1999
- Owned by
- Bk James Finl Group Inc
- Primary regulator
- FED
- Website
- www.bankofthejames.bank
At a glance
Compared with 22 banks headquartered in Virginia with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $1.0B | 2% | $2.0B | |
| Loans | $698M | 4% | $1.4B | |
| Deposits | $938M | 4% | $1.7B | |
| Return on assets | 0.98% | 27% | 1.22% | |
| Net interest margin | 3.85% | 64% | 3.62% | |
| Efficiency ratio | 72.0% | 91% | 59.1% | |
| Equity to assets | 7.90% | 2% | 10.65% | |
| Loans to deposits | 74% | 18% | 90% |
Growth
Total assets grew 2.6% a year over the last 5 years and 6.6% a year over 10 years, without acquisitions.
Where they operate
22 branches in 12 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Lynchburg City County, VA | $338M | 15.6% | 4 of 12 |
| Bedford County, VA | $199M | 10.6% | 6 of 12 |
| Amherst County, VA | $120M | 21.2% | 3 of 6 |
| Campbell County, VA | $95M | 8.1% | 4 of 11 |
| Harrisonburg City County, VA | $49M | 2.4% | 12 of 14 |
| Appomattox County, VA | $40M | 9.5% | 4 of 4 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 9 branches since 2016 (13 to 22, +69.2%). 11 opened, 0 acquired, 2 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 13 | |||
| 2016 | Opened Appomattox and Charlottesville | 2 | 0 | +2 | 15 |
| 2017 | Opened Roanoke | 1 | 0 | +1 | 16 |
| 2019 | Opened 4 in VirginiaClosed Charlottesville and Lynchburg | 4 | 2 | +2 | 18 |
| 2022 | Opened Lynchburg | 1 | 0 | +1 | 19 |
| 2024 | Opened Buchanan and Nellysford | 2 | 0 | +2 | 21 |
| 2025 | Opened Lynchburg | 1 | 0 | +1 | 22 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 45% | 36% | |
| 1-4 family residential | 27% | 30% | |
| Business (C&I) | 10% | 11% | |
| Multifamily | 8% | 7% | |
| Construction and land | 7% | 8% | |
| Consumer | 2% | 4% | |
| Farmland | 2% | 2% | |
| Agricultural | 1% | 1% | |
| Other | 0% | 2% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 60% | 51% | |
| Time deposits | 25% | 24% | |
| Noninterest-bearing | 15% | 25% |
Brokered deposits are 0.0% of deposits (peers 6.6%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.16% | 0.37% |
| Net charge-offs, annualized | 0.05% | 0.05% |
| Reserves to loans | 0.94% | 1.02% |
| Leverage ratio | 9.38% | 10.80% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Virginia
Largest competitors in Lynchburg City County, VA
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/james