Side-by-side · Q2 2026 data
First National Bank vs Bank of the James
Metric by metric
| Measure | First National Bank | Bank of the James |
|---|---|---|
| TellerScore | 73 (stronger) | 69 |
| Capital cushion | 38 | 44 (stronger) |
| Loan quality | 94 | 95 (stronger) |
| Earnings | 90 (stronger) | 60 |
| Funding & liquidity | 70 (stronger) | 69 |
| Problem-loan coverage | 97 | 98 (stronger) |
| Peer percentile | 70th | 53rd |
| Total assets | $1.1B | $1.0B |
| Deposits / shares | $1.0B | $938.1M |
| Capital ratio | 8.84% | 9.38% (stronger) |
| Problem loans | 0.19% | 0.16% (stronger) |
| Net charge-offs | 0.07% | 0.05% (stronger) |
| Return on assets | 1.76% (stronger) | 1.01% |
| Loans ÷ deposits | 71.3% (stronger) | 73.7% |
| Uninsured deposits | 32.3% | 30.6% (stronger) |
| Offices | 19 | 21 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.6% | — |
First National Bank has the higher TellerScore (73 vs 69). On the 7 directional measures above (where higher or lower is clearly better), First National Bank leads on 3 and Bank of the James on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Lynchburg, VA
- Charlottesville, VA
- Altavista, VA
- Forest, VA
- Amherst, VA
- Rustburg, VA