Side-by-side · Q2 2026 data
The Farmers Bank of Appomattox vs Bank of the James
Metric by metric
| Measure | The Farmers Bank of Appomattox | Bank of the James |
|---|---|---|
| TellerScore | 76 (stronger) | 69 |
| Capital cushion | 76 (stronger) | 44 |
| Loan quality | 80 | 95 (stronger) |
| Earnings | 59 | 60 (stronger) |
| Funding & liquidity | 78 (stronger) | 69 |
| Problem-loan coverage | 93 | 98 (stronger) |
| Peer percentile | 64th | 53rd |
| Total assets | $374.6M | $1.0B |
| Deposits / shares | $313.6M | $938.1M |
| Capital ratio | 12.58% (stronger) | 9.38% |
| Problem loans | 0.59% | 0.16% (stronger) |
| Net charge-offs | 0.53% | 0.05% (stronger) |
| Return on assets | 0.98% | 1.01% (stronger) |
| Loans ÷ deposits | 82.4% | 73.7% (stronger) |
| Uninsured deposits | 8.9% (stronger) | 30.6% |
| Offices | 6 | 21 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Farmers Bank of Appomattox has the higher TellerScore (76 vs 69). On the 7 directional measures above (where higher or lower is clearly better), The Farmers Bank of Appomattox 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
- Appomattox, VA