TellerScore

Bank of the James is a state-chartered bank (fed member) headquartered in Lynchburg, Virginia, in business for about 27 years. At the end of Q2 2026 it reported $1.0B in total assets and $938.1M in deposits, with 22 offices.

Bank of the James has a TellerScore of 69 out of 100 (moderate) based on Q2 2026 data — higher than 53% of its 897 banks with $1 billion – $10 billion. Among 56 banks headquartered in Virginia, it ranks 35th. Problem-loan coverage contributes the most (98/100, 1.2%); capital cushion contributes the least (44/100, 9.38%).

TellerScore · Q2 2026

Scorecard

Capital cushion44/100
Tier 1 leverage ratio: 9.38%
Loan quality95/100
Noncurrent loans ÷ total loans: 0.16%
Earnings60/100
Return on assets (annualized): 1.01%
Funding & liquidity69/100
Loans ÷ deposits and uninsured-deposit share: 73.7% · 30.6% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.24%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 4 points (65 → 69), mostly because the earnings component improved by 16 points.

TellerScore
636770Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202470
Q3 202469
Q4 202467
Q1 202563
Q2 202565
Q3 202566
Q4 202567
Q1 202668
Q2 202669
Tier 1 leverage ratio
5.00%7.31%9.62%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.51%
Q3 20249.62%
Q4 20249.04%
Q1 20259.12%
Q2 20258.85%
Q3 20259.05%
Q4 20259.05%
Q1 20269.18%
Q2 20269.38%
Noncurrent loans
0.13%0.21%0.29%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.13%
Q3 20240.20%
Q4 20240.25%
Q1 20250.27%
Q2 20250.28%
Q3 20250.29%
Q4 20250.25%
Q1 20260.22%
Q2 20260.16%
Return on assets
0.23%0.62%1.01%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.78%
Q3 20240.75%
Q4 20240.72%
Q1 20250.23%
Q2 20250.60%
Q3 20250.70%
Q4 20250.78%
Q1 20260.91%
Q2 20261.01%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$1.0B9.38%0.16%1.01%73.7%
Q1 202668$1.1B9.18%0.22%0.91%68.0%
Q4 202567$1.0B9.05%0.25%0.78%70.7%
Q3 202566$1.0B9.05%0.29%0.70%71.2%
Q2 202565$1.0B8.85%0.28%0.60%71.2%
Q1 202563$1.0B9.12%0.27%0.23%70.4%
Q4 202467$970.1M9.04%0.25%0.72%71.9%
Q3 202469$998.4M9.62%0.20%0.75%69.2%
Q2 202470$968.2M9.51%0.13%0.78%69.9%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.38%
21st
Total risk-based capital12.66%
38th
Problem loans0.16%
81st
Net charge-offs0.05%
44th
Return on assets1.01%
31st
Net interest margin3.85%
59th
Efficiency ratio72.0%
18th
Loans to deposits73.7%
78th
Uninsured deposits30.6%
51st
Loan-loss reserves0.94%
24th
Texas ratio1.2%
80th

Similar-size banks in Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
The Freedom Bank of VirginiaBank Fairfax, VA40 out of 100, Below average$1.0B11.1%3.26%vs
First National BankBank Altavista, VA73 out of 100, Strong$1.1B8.8%0.19%vs
Trustar BankBank Great Falls, VA58 out of 100, Moderate$1.1B9.4%0.39%vs
Skyline National BankBank Independence, VA66 out of 100, Moderate$1.3B8.8%0.34%vs
Farmers & Merchants BankBank Timberville, VA70 out of 100, Strong$1.4B9.1%0.43%vs
Benchmark Community BankBank Kenbridge, VA75 out of 100, Strong$1.4B9.8%0.17%vs

Deposit insurance

Is my money safe at Bank of the James?

Yes. Bank of the James is an FDIC-insured institution (FDIC certificate #35207). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 30.6% of deposits ($286.8M) are above the $250,000 FDIC insurance limit, close to the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.38%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.66% (benchmark: 10%).

Check how much of your own balance is covered

22 locations

Branches

Bank of the James lists 21 offices in 14 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Bank of the James
Type
State-chartered bank (Fed member)
FDIC certificate #
35207
RSSD ID
2787770
Primary regulator
FED
Holding company
Bk James Finl Group Inc
Established
July 22, 1999
Headquarters
828 Main St, Lynchburg, VA 24504
Employees
163

Quick answers

Bank of the James: common questions

Is Bank of the James FDIC insured?

Yes. Bank of the James is an FDIC-insured institution (FDIC certificate #35207). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Bank of the James's TellerScore?

69 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Bank of the James ever failed?

There is no failure record for FDIC certificate #35207 in the FDIC failed bank list.

How many branches does Bank of the James have?

22 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Lynchburg

InstitutionScoreAssetsCapitalProblem loansCompare
Kemba Roanoke Federal Credit UnionCredit union Salem, VA82 out of 100, Strong$76.7M16.4%0.74%vs
Lynchburg Municipal Employees Federal Credit UnionCredit union Lynchburg, VA81 out of 100, Strong$31.4M12.1%0.28%vs
Carter Bank & TrustBank Martinsville, VA76 out of 100, Strong$4.8B11.7%1.01%vs
The Farmers Bank of AppomattoxBank Appomattox, VA76 out of 100, Strong$374.6M12.6%0.59%vs
Beacon Credit Union, IncorporatedCredit union Lynchburg, VA74 out of 100, Strong$391.6M11.6%0.24%vs
United BankBank Fairfax, VA74 out of 100, Strong$33.6B11.6%0.44%vs