Side-by-side · Q2 2026 data
Bank of the James vs The Freedom Bank of Virginia
Metric by metric
| Measure | Bank of the James | The Freedom Bank of Virginia |
|---|---|---|
| TellerScore | 69 (stronger) | 40 |
| Capital cushion | 44 | 61 (stronger) |
| Loan quality | 95 (stronger) | 0 |
| Earnings | 60 (stronger) | 38 |
| Funding & liquidity | 69 (stronger) | 61 |
| Problem-loan coverage | 98 (stronger) | 54 |
| Peer percentile | 53rd | 2nd |
| Total assets | $1.0B | $1.0B |
| Deposits / shares | $938.1M | $875.0M |
| Capital ratio | 9.38% | 11.06% (stronger) |
| Problem loans | 0.16% (stronger) | 3.26% |
| Net charge-offs | 0.05% (stronger) | 1.65% |
| Return on assets | 1.01% (stronger) | 0.45% |
| Loans ÷ deposits | 73.7% (stronger) | 87.9% |
| Uninsured deposits | 30.6% | 24.9% (stronger) |
| Offices | 21 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 9.1% |
Bank of the James has the higher TellerScore (69 vs 40). On the 7 directional measures above (where higher or lower is clearly better), Bank of the James leads on 5 and The Freedom Bank of Virginia on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.