BANK OF THE JAMES FINANCIAL GROUP INC
Bank of the James Financial Group, Inc. (NASDAQ: BOTJ) operates as a bank holding company headquartered in Lynchburg, Virginia, providing comprehensive financial services through its principal subsidiary, Bank of the James, a state-chartered commercial bank established in 1998. The company's website is… From the company’s description.
Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.
What BANK OF THE JAMES FINANCIAL GROUP INC does
In the company’s own words
Bank of the James Financial Group, Inc. (NASDAQ: BOTJ) operates as a bank holding company headquartered in Lynchburg, Virginia, providing comprehensive financial services through its principal subsidiary, Bank of the James, a state-chartered commercial bank established in 1998. The company's website is www.bankofthejames.bank.
The company conducts three principal business activities: general retail and commercial banking through Bank of the James, mortgage brokerage services through the Bank of the James Mortgage Division, and investment advisory services through its wholly-owned subsidiary Pettyjohn, Wood & White, Inc. The company also provides securities brokerage services through BOTJ Investment and insurance and annuity products through BOTJ Insurance, Inc.
Bank of the James operates 19 full-service offices, two limited service offices, and two residential mortgage loan production offices across Virginia. The bank's primary market area encompasses Region 2000, which includes Lynchburg, Amherst County, Appomattox County, Bedford County, Campbell County, and the Town of Bedford, serving a population of approximately 267,000. In recent years, the bank has expanded geographically into Charlottesville, Roanoke, Harrisonburg, Lexington, Buchanan, Nellysford, Blacksburg, Appomattox, and Rustburg to diversify geographic concentration and enhance growth opportunities.
The company's retail and commercial banking services include a full range of deposit products such as checking accounts, savings accounts, money market accounts, and certificates of deposit, all FDIC-insured up to regulatory limits. Lending services encompass commercial business loans, real estate construction financing, commercial real estate mortgages, residential mortgages, and consumer loans. The mortgage division utilizes non-delegated correspondent relationships, allowing the bank to close loans in its name before investors purchase them.
As of March 25, 2026, the company employed approximately 175 employees, comprising 162 full-time and 13 part-time staff members. The company maintains employee benefit programs including health insurance, health savings accounts, 401(k) plans, and an employee stock purchase plan. No employees are represented by collective bargaining agreements.
Company details
- Sector
- Financials
- Industry
- Banks & Brokers
- Headquarters
- LYNCHBURG, VA
- Fiscal year end
- December
- CIK
- 1275101
- SIC
- 6022
Financial performance, year by year
Fiscal 2013–2025 · USDThe full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.
Who owns BANK OF THE JAMES FINANCIAL GROUP INC — and what changed
Funds as of 2026Q2 · superinvestors as of 2026-06-30
Largest fund holders · BANK OF THE JAMES FINANCIAL GROUP INC’s weight in each
Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.
Fund ownership counts N-PORT filers only, so it is a floor rather than a census — pensions, insurers and direct holders are not visible here, and the remainder is not “held by individuals”.
Could not be determined for this company: bond issues.
Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.
Recent filings
All filings →Each filing opens into its own statements and disclosures here.
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