Bank Of The James: Bank Stress & Real-Estate Credit Exposure

Bank Of The James (FDIC Cert #35207) carries a DLRadar bank-stress score of 78/100, a severe reading of the credit and balance-sheet pressure weighing on the institution. That figure comes straight from public FDIC call-report data — capital, asset quality, earnings and property-loan concentration — weighted by the bank's lending footprint.

The value is in the linkage: Bank Of The James's severe reading is mapped onto 97 ZIP codes and 12 counties where DLRadar independently tracks foreclosures, tax liens and ownership turnover, so credit pressure and physical distress line up on one timeline. DLRadar maps Bank Of The James into 12 counties (97 ZIP codes) across 1 states — a compact, single-state lending base. Its heaviest exposure sits in Virginia (12 counties). The DLRadar bank-stress score is a composite, not a single ratio: it weighs Bank Of The James's capital adequacy, asset quality, earnings and — most heavily — its real-estate loan concentration, then scales the result by where the bank actually lends, so two banks with identical headline financials can score differently based on the markets they finance. No bank is too small to score the same way: Bank Of The James runs through the identical FDIC-based model as the largest lenders, refreshed each filing cycle, so its 12-county, 97-ZIP profile means exactly what it would for any institution nationwide. Because Bank Of The James is held under Bk James Finl Group Inc, its financials are open to scrutiny and its trend can be independently checked. The combination of a severe reading and a compact footprint is what makes Bank Of The James worth watching as a supply signal. Its lending reaches counties such as Albemarle County, VA, Bedford County, VA, Nelson County, VA, Roanoke County, VA, each tied back to DLRadar's distress signals. Over the trailing week its stress reading is stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later.

For buyers, lender stress is an early map of supply: when Bank Of The James pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. That makes bank stress a forward indicator — it points to tomorrow's distressed supply, not yesterday's.

The same deterministic model runs for all FDIC banks, each wired to on-the-ground foreclosure, tax-lien and ownership signals. The result is an early, auditable read on supply, every figure anchored to public data.