Side-by-side · Q2 2026 data
Bank of the James vs Trustar Bank
Metric by metric
| Measure | Bank of the James | Trustar Bank |
|---|---|---|
| TellerScore | 69 (stronger) | 58 |
| Capital cushion | 44 | 44 |
| Loan quality | 95 (stronger) | 87 |
| Earnings | 60 (stronger) | 46 |
| Funding & liquidity | 69 (stronger) | 31 |
| Problem-loan coverage | 98 (stronger) | 94 |
| Peer percentile | 53rd | 17th |
| Total assets | $1.0B | $1.1B |
| Deposits / shares | $938.1M | $970.4M |
| Capital ratio | 9.38% | 9.38% (stronger) |
| Problem loans | 0.16% (stronger) | 0.39% |
| Net charge-offs | 0.05% | 0.00% (stronger) |
| Return on assets | 1.01% (stronger) | 0.65% |
| Loans ÷ deposits | 73.7% (stronger) | 96.9% |
| Uninsured deposits | 30.6% (stronger) | 44.1% |
| Offices | 21 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
Bank of the James has the higher TellerScore (69 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Bank of the James leads on 5 and Trustar Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.