Bank of the James
Lynchburg, VA
IDRSSD: 2787770
Total Assets
$1.03B
Latest filing
Total Deposits
$940.60M
Latest filing
Net Interest Margin
3.80%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
051409016LYNCHBURG, VA
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Bank of the James
828 Main St
Lynchburg, VA 24504
Full Service - Brick and Mortar
Updated 01/30/2026Established 07/22/1999FDIC Certificate 76173
Branches (21)
Page 1 of 3| Name | Address | City / State |
|---|---|---|
| Bank of the James (Main) | 828 Main St | Lynchburg, VA |
| FORT AVENUE BRANCH | 5204 Fort Ave | Lynchburg, VA |
| MADISON HEIGHTS BRANCH | 4698 S Amherst Hwy | Madison Heights, VA |
| FOREST BRANCH | 17000 Forest Rd | Forest, VA |
| BOONSBORO BRANCH | 4935 Boonsboro Rd | Lynchburg, VA |
| AMHERST BRANCH | 164 S Main St | Amherst, VA |
| BEDFORD BRANCH | 1405 Old Dominion Blvd | Bedford, VA |
| ALTAVISTA BRANCH | 1110 Main St | Altavista, VA |
Showing 7 of 21
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 07/22/1999 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 24504 |
| State and County Number | 51680 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 05 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Lynchburg, VA |
Operational Info
| Number of Employees | 164 |
| Domestic Offices | 22 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 07/22/1999 |
| Primary Insurance Agency | DIF |
| Website | www.bankofthejames.bank |
| Data Updated | 01/30/2026 |
| CERT | 35207 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.03B |
| Total Deposits | $940.60M |
| Total Liabilities | $953.49M |
| Total Equity Capital | $78.41M |
| Net Income | $2.56M |
| Net Loans and Leases | $664.83M |
| Assets Per Employee ($Millions) | $6.74M |
| Bank Premises and Fixed Assets | $21.94M |
| Cash and Balances due from Depository Institutions | $81.87M |
| Deposits Held in Domestic Offices | $940.60M |
Key Performance Ratios
| Return on Assets (ROA) | 1% |
| Return on Equity (ROE) | 13.36% |
| Net Interest Margin | 3.8% |
| Efficiency Ratio | 70.87% |
| Tier 1 Risk-Based Capital Ratio | 11.729% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.1% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.599% |
| Earning Assets to total Assets | 91.97% |
Income and Expense
| Total Interest Income | $12.24M |
| Total Noninterest Income | $2.86M |
| Total Interest Expense | $3.31M |
| Total Noninterest Expense | $8.36M |
| Net Interest Income | $8.93M |
| Pre-tax Net Operating Income | $3.17M |
| Provision for Credit Losses | $266.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $3.21M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $12.89M |
| Total Liabilities and Capital | $1.03B |
Securities
| Securities | $217.72M |
| Available-for-sale debt securities | $214.13M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $3.59M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Bank of the James?
$1.03B as of the latest filing.
How much are Bank of the James's total deposits?
$940.60M in total deposits.
Where is Bank of the James located?
Lynchburg, VA.
What is the Net Interest Margin?
3.80%.
How many domestic offices does it operate?
22.
When was it established?
07/22/1999.
What is the Return on Assets (ROA)?
1%.
How much are total loans and leases?
$664.83M (latest filing).
What is the total interest income (latest filing)?
$12.24M.