Total Assets
$1.0B
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
Bank of the James — FDIC Bank Health Profile
Lynchburg, Virginia · Est. 1999. Free, sourced from the FDIC BankFind Suite — refreshed each quarter and cross-checked against the FDIC Call Report.
State chartered State member bank FDIC Cert #35207 Atlanta Region
D
Health grade
Weak
Score: 46/100
Basel III capital ratios — Bank of the James
Total Deposits
$941M
Customer-funded liabilities
Net Loans
$665M
Outstanding loan book
Net Income
$8M
Bottom-line earnings
Safety Metrics
Tier 1 capital ratio
Well-capitalized 10%
11.73% of risk-weighted assets — above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
11.73%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$78M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
0.78%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
10.75%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
78.76%
Income & Expense Breakdown
$47M
Interest Income
$10M
Non-Interest Income
$35M
Non-Interest Expense
FDIC Deposit Insurance
Bank of the James is FDIC-insured (Certificate #35207). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
What the Numbers Say About Bank of the James
Bank of the James is an FDIC-insured institution (Certificate #35207) headquartered in Lynchburg, Virginia, established in 1999. The bank currently holds $1.0B in total assets and $941M in customer deposits, with $665M deployed as loans. It operates as a State chartered (State member bank) within the FDIC Atlanta region. These figures come directly from the bank's quarterly FDIC Call Report and reflect the balance sheet as of the latest regulatory filing.
On safety metrics, Bank of the James reports a Tier 1 Capital Ratio of 11.73% — above the 10% federal threshold for "well-capitalized" status and a Texas Ratio of —. Equity capital stands at $78M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of 0.78% and a Return on Equity of 10.75%, with an Efficiency Ratio of 78.76% — above the 60% benchmark, meaning a larger share of revenue is consumed by operating costs. The combined picture yields a PlainBankData health grade of D (46/100), a composite score that blends all four dimensions.
Not financial advice. This page summarizes public FDIC Call Report data for informational purposes only. Health grades are our interpretation of regulatory filings and are not official FDIC ratings, endorsements, or predictions. Regardless of grade, every dollar on deposit at Bank of the James is protected by FDIC insurance up to $250,000 per depositor, per ownership category — even if the bank were to fail. For decisions about where to hold deposits, consult a qualified financial professional and verify the latest figures directly at the FDIC's BankFind Suite.
Top 5 banks in Virginia by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) + CRA performance data Bank of the James (FDIC Cert #35207) — Tier 1 capital ratio, total assets, deposits, CRA rating · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other Banks in Virginia
All Virginia banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Capital One, National Association Mclean | $658.5B | C | 0.55% |
| HSBC Bank USA, National Association Tysons | $165.3B | B | 0.92% |
| Atlantic Union Bank Richmond City | $37.5B | C | 0.99% |
| United Bank Fairfax | $33.5B | B | 1.50% |
| TowneBank Portsmouth | $19.7B | D | 0.90% |
| Burke & Herbert Bank & Trust Company Alexandria | $7.9B | B | 1.69% |
| Carter Bank & Trust Martinsville | $4.8B | D | 0.72% |
| The First Bank and Trust Company Lebanon | $4.2B | B | 1.62% |
Frequently Asked Questions
What is Bank of the James's health grade? ▼
Bank of the James receives a health grade of D (46/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows notable financial weaknesses. Your deposits remain FDIC-insured up to $250,000.
How large is Bank of the James? ▼
Bank of the James holds $1.0B in total assets and $941M in deposits. It is headquartered in Lynchburg, Virginia.
Is my money safe at Bank of the James? ▼
Yes. Bank of the James is FDIC-insured (Certificate #35207). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is Bank of the James's Tier 1 Capital Ratio? ▼
Bank of the James has a Tier 1 Capital Ratio of 11.73%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
How efficient is Bank of the James? ▼
Bank of the James has an Efficiency Ratio of 78.76%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
Bank Safety Guides
Related Data Sources
Data from the FDIC BankFind Suite API. Financial data as of Q4 2025.
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the FDIC BankFind Suite. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.