| Balance Sheets | 2026-03-31 | 2025-09-30 | 2025-06-30 | |
|---|---|---|---|---|
| Cash and due from banks | 25,097 | 28,450 | 22,587 | |
| Federal funds sold | 62,894 | 57,001 | 55,320 | |
| Total cash and cash equivalents | 87,991 | 85,451 | 77,907 | |
| Securities held-to-maturity, at amortized cost (fair value of 3,290 as of march 31, 2026 and 3,315 as of december 31, 2025) | 3,586 | 3,594 | 3,598 | |
| Securities available-for-sale, at fair value | 244,699 | 202,506 | 196,585 | |
| Restricted stock, at cost | 1,828 | 1,828 | 1,828 | |
| Total loans | 655,334 | 659,586 | NaN | |
| Less allowance for credit losses | 6,201 | 6,298 | NaN | |
| Loans, net of allowance for credit losses of 6,201 as of march 31, 2026 and 6,450 as of december 31, 2025 | 649,133 | 653,288 | 649,089 | |
| Loans held for sale | 2,877 | 3,766 | 4,226 | |
| Premises and equipment, net | 19,167 | 18,834 | 19,044 | |
| Deferred tax asset, net | NaN | NaN | 7,774 | |
| Interest receivable | 3,200 | 3,001 | 3,148 | |
| Cash value - bank owned life insurance | 23,887 | 23,480 | 23,285 | |
| Customer relationship intangible | 6,024 | 6,305 | 6,445 | |
| Goodwill | 2,054 | 2,054 | 2,054 | |
| Other assets | 16,743 | 16,018 | 9,259 | |
| Total assets | 1,061,189 | 1,020,125 | 1,004,242 | |
| Noninterest bearing demand | 144,762 | 132,848 | 137,801 | |
| Now, money market and savings | 576,899 | 548,110 | 543,555 | |
| Time | 234,891 | 238,838 | 229,171 | |
| Total deposits | 956,552 | 919,796 | 910,527 | |
| Other borrowings | 8,729 | 8,836 | 8,992 | |
| Income taxes payable | NaN | NaN | 310 | |
| Interest payable | 1,125 | 1,292 | 856 | |
| Other liabilities | 13,499 | 13,229 | 11,892 | |
| Total liabilities | 979,905 | 943,153 | 932,577 | |
| Common stock 2.14 par value authorized 10,000,000 shares issued and outstanding 4,543,338 as of march 31, 2026 and december 31, 2025 | 9,723 | 9,723 | 9,723 | |
| Additional paid-in-capital | 35,253 | 35,253 | 35,253 | |
| Retained earnings | 52,328 | 47,739 | 45,442 | |
| Accumulated other comprehensive loss | -16,020 | -15,743 | -18,753 | |
| Total stockholders equity | 81,284 | 76,972 | 71,665 | |
| Total liabilities and stockholders equity | 1,061,189 | 1,020,125 | 1,004,242 | |
BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ)
BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ)