Bank Of The James (FDIC #35207): Bank Stress & Real-Estate Credit Exposure
Bank Of The James (FDIC Cert #35207): bank stress 78/100, severe, STABLE over 7 days; parent BK JAMES FINL GROUP INC.
Bank Of The James (#35207) lends in 12 counties across 1 state; Bank Of The James (#35207) reaches 97 ZIP codes: Virginia 12 counties, 97 ZIPs.
Bank Of The James (#35207) largest markets: Albemarle County, VA (48 branches, 24 ZIPs) (#35207), Bedford County, VA (38 branches, 19 ZIPs) (#35207), Nelson County, VA (18 branches, 18 ZIPs) (#35207), Roanoke County, VA (28 branches, 14 ZIPs) (#35207), Campbell County, VA (42 branches, 14 ZIPs) (#35207), Botetourt County, VA (12 branches, 12 ZIPs) (#35207).
Bank Of The James (#35207) reports $1.03 billion in total assets; Bank Of The James (#35207) equity $81.6 million (7.9% of Bank Of The James (#35207) assets); Bank Of The James (#35207) domestic deposits $938.1 million; Bank Of The James (#35207) net income $5.2 million; Bank Of The James (#35207) return on assets 1.01%; Bank Of The James (#35207) return on equity 13.08%; Bank Of The James (#35207) net interest income $18.5 million; Bank Of The James (#35207) call report June 30, 2026.
Bank Of The James (#35207) noncurrent real-estate loans 0.01% of its book; Bank Of The James (#35207) net charge-offs on real estate 0.11%.
Bank Of The James (#35207) net interest margin 3.85% against an eight-quarter Bank Of The James (#35207) average of 3.60% (Bank Of The James (#35207) compression -0.25 points); Bank Of The James (#35207) real-estate loans 0.5% of equity; Bank Of The James (#35207) rate-exposure score 40/100, Bank Of The James (#35207) fixed-rate trap 40/100; Bank Of The James (#35207) risk type credit driven; Bank Of The James (#35207) rate regime rates elevated, Bank Of The James (#35207) snapshot October 19, 2026.
Bank Of The James (#35207) stress score moved from 79.3 on June 22, 2026 to 77.8 on October 19, 2026; Bank Of The James (#35207) ranged 77.8 to 79.3 over 116 snapshots.
Bank Of The James (#35207) alerts: 11 counties; top Bank Of The James (#35207) alert scores: Lynchburg County, VA 51 (elevated); Appomattox County, VA 50 (moderate); Buchanan County, VA 46 (moderate); Lexington County, VA 46 (moderate); Charlottesville County, VA 45 (moderate).