Side-by-side · Q2 2026 data
Bank of the James vs Carter Bank & Trust
Metric by metric
| Measure | Bank of the James | Carter Bank & Trust |
|---|---|---|
| TellerScore | 69 | 76 (stronger) |
| Capital cushion | 44 | 67 (stronger) |
| Loan quality | 95 (stronger) | 66 |
| Earnings | 60 | 100 (stronger) |
| Funding & liquidity | 69 | 70 (stronger) |
| Problem-loan coverage | 98 (stronger) | 86 |
| Peer percentile | 53rd | 80th |
| Total assets | $1.0B | $4.8B |
| Deposits / shares | $938.1M | $4.2B |
| Capital ratio | 9.38% | 11.73% (stronger) |
| Problem loans | 0.16% (stronger) | 1.01% |
| Net charge-offs | 0.05% | -0.82% (stronger) |
| Return on assets | 1.01% | 3.66% (stronger) |
| Loans ÷ deposits | 73.7% (stronger) | 87.7% |
| Uninsured deposits | 30.6% | 17.7% (stronger) |
| Offices | 21 | 66 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 28.0% |
Carter Bank & Trust has the higher TellerScore (76 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Bank of the James leads on 2 and Carter Bank & Trust on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Lynchburg, VA
- Charlottesville, VA
- Roanoke, VA
- Bedford, VA
- Lexington, VA
- Madison Heights, VA