Side-by-side · Q2 2026 data
Bank of the James vs Highlands Community Bank
Metric by metric
| Measure | Bank of the James | Highlands Community Bank |
|---|---|---|
| TellerScore | 69 (stronger) | 57 |
| Capital cushion | 44 | 76 (stronger) |
| Loan quality | 95 (stronger) | 16 |
| Earnings | 60 (stronger) | 36 |
| Funding & liquidity | 69 | 97 (stronger) |
| Problem-loan coverage | 98 (stronger) | 81 |
| Peer percentile | 53rd | 14th |
| Total assets | $1.0B | $188.9M |
| Deposits / shares | $938.1M | $167.3M |
| Capital ratio | 9.38% | 12.63% (stronger) |
| Problem loans | 0.16% (stronger) | 2.51% |
| Net charge-offs | 0.05% (stronger) | 0.27% |
| Return on assets | 1.01% (stronger) | 0.39% |
| Loans ÷ deposits | 73.7% | 48.6% (stronger) |
| Uninsured deposits | 30.6% | 18.1% (stronger) |
| Offices | 21 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bank of the James has the higher TellerScore (69 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Bank of the James leads on 4 and Highlands Community Bank on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.