Every 10-Q that Bank of the James Financial Group, Inc (BOTJ) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-Q covers the quarterly report filed between annual reports, so if you follow BOTJ and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full BOTJ filings page.
Bank of the James Financial Group, Inc. reported higher profitability for the three and six months ended June 30, 2026. Net income for the quarter was $3.24 million versus $2.70 million a year earlier, and for the first half of 2026 was $6.01 million compared with $3.55 million in the prior-year period. Earnings per share were $0.71 for the quarter and $1.32 year-to-date, versus $0.60 and $0.78 respectively.
Net interest income rose to $17.99 million for the first six months from $15.97 million, while the provision for credit losses shifted from a recovery of $0.39 million to an expense of $0.20 million. Noninterest income increased to $8.44 million, driven by mortgage loan sales and higher wealth management fees, and noninterest expenses edged down to $18.68 million.
Total assets were about $1.04 billion at June 30, 2026, with loans at $686.1 million and deposits at $935.2 million. Stockholders’ equity increased to $83.15 million, although accumulated other comprehensive loss deepened to $(16.94) million as unrealized losses on available-for-sale securities grew. The investment advisory segment reported assets under management of $1.09 billion.
Bank of the James Financial Group, Inc. reported much stronger results for the quarter ended March 31, 2026. Net income rose to $2.77 million, up from $0.84 million a year earlier, and earnings per share increased to $0.61 from $0.19, driven by higher net interest income and fee-based revenues.
Total assets reached $1.06 billion, compared with $1.04 billion at December 31, 2025. Deposits grew to $956.6 million, while net loans declined modestly to $649.1 million as the allowance for credit losses decreased to $6.2 million. Noninterest income, including mortgage gains and wealth management fees, improved, and noninterest expenses edged lower.
Comprehensive income was $1.69 million, reflecting unrealized losses on the securities portfolio tied mainly to interest rate movements. Credit quality remained stable, with nonaccrual loans at $1.45 million and no other real estate owned. The investment advisory subsidiary managed about $1.01 billion in assets under management as of March 31, 2026.
Bank of the James Financial Group (BOTJ) reported stronger quarterly results. Q3 2025 net income rose to $2.75 million from $1.99 million a year ago, with EPS of $0.61 versus $0.44. Net interest income improved to $8.30 million (from $7.51 million) as total interest expense fell to $3.47 million (from $4.05 million). Noninterest income was $4.17 million led by mortgage gains ($1.24 million) and wealth management fees ($1.36 million). Year‑to‑date net income was $6.30 million, roughly flat with 2024.
Total assets reached $1.02 billion (from $979.24 million at year‑end), loans net were $653.29 million (from $636.55 million), and deposits were $919.80 million (from $882.40 million). Accumulated other comprehensive loss improved to $(15.74) million from $(22.92) million, reflecting $7.17 million in other comprehensive income year‑to‑date. The company repaid its $10.05 million 2020 subordinated notes at maturity and modified its NBB note: extended to August 31, 2030, rate 5.65%, with about $61,800 monthly installments and a final balloon of about $7.41 million; outstanding principal was about $8.8 million at quarter‑end.
Bank of the James Financial Group, Inc. reported stronger quarterly operating results while showing mixed year-to-date performance. For the three months ended June 30, 2025, the company earned $2.704 million in net income, up from $2.148 million a year earlier, producing diluted earnings of $0.60 per share versus $0.47 in Q2 2024. Net interest income increased to $8.25 million for the quarter and net interest income after a $0.528 million recovery of credit losses was $8.778 million.
At June 30, 2025 total assets were $1.004 billion, loans net of allowance were $649.1 million, and deposits totaled $910.5 million. Stockholders' equity rose to $71.665 million. Assets under management in the Investment Advisory segment grew to $930.0 million. The company repaid $10.05 million of subordinated capital notes upon maturity. Year-to-date net income for six months was $3.546 million versus $4.335 million in 2024, and noninterest expenses increased to $19.281 million year-to-date.