BlastPoint's Banking Scorecard
Bank of the James
Community
Specialty: Commercial
VA
FDIC cert 35207
Lynchburg, VA
1484
banks in Community tier nationally
32 in VA
View Community leaderboard (VA) →
Bank of the James faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 7% in Community
- - Credit Quality Pressure: Bottom 11% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.0B
+6.4% YoY
+2.0% QoQ
|
-$359.6M |
$1.4B
+2.0% YoY
|
$17.5B
+24.6% YoY
|
$5.9B
+6.5% YoY
|
52% |
| Total Loans ? |
$664.8M
+3.9% YoY
+1.2% QoQ
|
-$310.6M |
$975.5M
+2.4% YoY
|
$10.7B
+28.4% YoY
|
$3.1B
+8.5% YoY
|
47% |
| Total Deposits ? |
$940.6M
+5.7% YoY
+2.0% QoQ
|
-$224.0M |
$1.2B
+1.7% YoY
|
$13.8B
+21.4% YoY
|
$4.7B
+6.3% YoY
|
56% |
| Return on Assets ? |
0.78%
+7.7% YoY
+11.0% QoQ
|
-0.39% |
1.16%
+17.2% YoY
|
0.94%
+24.9% YoY
|
1.12%
+15.6% YoY
|
23% |
| Net Interest Margin ? |
3.68%
+6.5% YoY
+1.0% QoQ
|
+0.02% |
3.66%
+9.1% YoY
|
3.66%
+9.0% YoY
|
3.75%
+7.1% YoY
|
52% |
| Efficiency Ratio ? |
78.76%
-2.1% YoY
-3.5% QoQ
|
+16.13% |
62.63%
-5.3% YoY
|
66.70%
-6.7% YoY
|
65.09%
-5.1% YoY
|
Bottom 12% in tier |
| Delinquency Rate ? |
0.26%
+0.0% YoY
-11.1% QoQ
|
-0.37% |
0.63%
+18.3% YoY
|
0.75%
+37.7% YoY
|
0.66%
+20.3% YoY
|
65% |
| Loan-to-Deposit Ratio ? |
70.68%
-1.7% YoY
-0.8% QoQ
|
-12.38% |
83.06%
+0.3% YoY
|
79.98%
+0.8% YoY
|
78.04%
+0.7% YoY
|
79% |
| Non-Interest-Bearing Deposit Share ? |
14.34%
-7.1% YoY
-2.3% QoQ
|
-6.70% |
21.05%
-0.9% YoY
|
24.23%
+0.2% YoY
|
21.79%
-1.3% YoY
|
23% |
| Nonperforming Asset Ratio ? |
0.17%
-2.3% YoY
-11.9% QoQ
|
-0.33% |
0.50%
+20.3% YoY
|
0.53%
+39.4% YoY
|
0.48%
+20.8% YoY
|
69% |
| Tier 1 Capital Ratio ? |
11.73%
-1.6% YoY
+2.4% QoQ
|
+1.48% |
10.24%
-0.6% YoY
|
11.48%
+7.9% YoY
|
9.75%
-1.9% YoY
|
44% |
| Non-Interest Income / Assets ? |
1.00%
+1.2% YoY
+35.8% QoQ
|
+0.26% |
0.74%
-1.3% YoY
|
0.64%
-0.2% YoY
|
0.65%
+0.6% YoY
|
Top 14% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Credit Risk Growth
risk
#46 of 642 · Bottom 7% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Credit Quality Pressure
risk
#93 of 808 · Bottom 11% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.26%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
86
86th pctile
Non-Interest Income / Assets
Current: 1.00% · Tier avg: 0.74%
79
79th pctile
Loan-to-Deposit Ratio
Current: 70.68% · Tier avg: 83.06%
69
69th pctile
Nonperforming Asset Ratio
Current: 0.17% · Tier avg: 0.50%
65
65th pctile
Delinquency Rate
Current: 0.26% · Tier avg: 0.63%
56
56th pctile
Total Deposits
Current: $940.6M · Tier avg: $1.2B
52
52th pctile
Net Interest Margin
Current: 3.68% · Tier avg: 3.66%
52
52th pctile
Total Assets
Current: $1.0B · Tier avg: $1.4B
47
47th pctile
Total Loans
Current: $664.8M · Tier avg: $975.5M
44
44th pctile
Tier 1 Capital Ratio
Current: 11.73% · Tier avg: 10.24%
23
23th pctile
Non-Interest-Bearing Deposit Share
Current: 14.34% · Tier avg: 21.05%
23
23th pctile
Return on Assets
Current: 0.78% · Tier avg: 1.16%
12
12th pctile
Efficiency Ratio
Current: 78.76% · Tier avg: 62.63%
Top Weaknesses
12
12th pctile
Efficiency Ratio
Current: 78.76% · Tier avg: 62.63%
23
23th pctile
Return on Assets
Current: 0.78% · Tier avg: 1.16%
23
23th pctile
Non-Interest-Bearing Deposit Share
Current: 14.34% · Tier avg: 21.05%
44
44th pctile
Tier 1 Capital Ratio
Current: 11.73% · Tier avg: 10.24%
47
47th pctile
Total Loans
Current: $664.8M · Tier avg: $975.5M
52
52th pctile
Total Assets
Current: $1.0B · Tier avg: $1.4B
52
52th pctile
Net Interest Margin
Current: 3.68% · Tier avg: 3.66%
56
56th pctile
Total Deposits
Current: $940.6M · Tier avg: $1.2B
65
65th pctile
Delinquency Rate
Current: 0.26% · Tier avg: 0.63%
69
69th pctile
Nonperforming Asset Ratio
Current: 0.17% · Tier avg: 0.50%
79
79th pctile
Loan-to-Deposit Ratio
Current: 70.68% · Tier avg: 83.06%
86
86th pctile
Non-Interest Income / Assets
Current: 1.00% · Tier avg: 0.74%