BlastPoint's Banking Scorecard
Bank of the James
Designations: ✓ Community bank
Lynchburg, VA
22 branches across VA
Bank of the James has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 25.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.45% below tier average
- - Net Interest Margin 0.07% below tier average
- - Efficiency Ratio 14.55% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+5.0% YoY
+2.0% QoQ
|
-$1.8B |
$2.8B
-0.1% YoY
|
$17.9B
+25.7% YoY
|
$6.2B
+9.1% YoY
|
Bottom 5.7% in tier |
| Total Loans ? |
$652.0M
+0.8% YoY
-1.9% QoQ
|
-$1.3B |
$2.0B
+0.6% YoY
|
$10.6B
+27.9% YoY
|
$3.2B
+10.8% YoY
|
Bottom 6.6% in tier |
| Total Deposits ? |
$959.2M
+4.4% YoY
+2.0% QoQ
|
-$1.4B |
$2.3B
-0.3% YoY
|
$14.1B
+22.4% YoY
|
$4.8B
+8.2% YoY
|
Bottom 11.8% in tier |
| Return on Assets ? |
0.91%
+292.2% YoY
+17.6% QoQ
|
-0.45% |
1.37%
+19.6% YoY
|
1.15%
+53.9% YoY
|
1.23%
+13.4% YoY
|
27% |
| Net Interest Margin ? |
3.74%
+7.3% YoY
+1.7% QoQ
|
-0.07% |
3.82%
+6.9% YoY
|
3.81%
+7.1% YoY
|
3.89%
+5.7% YoY
|
56% |
| Efficiency Ratio ? |
75.61%
-17.7% YoY
-4.0% QoQ
|
+14.55% |
61.06%
-4.6% YoY
|
65.58%
-7.6% YoY
|
66.95%
-4.1% YoY
|
Bottom 13.3% in tier |
| Delinquency Rate ? |
0.22%
-20.0% YoY
-13.2% QoQ
|
-0.67% |
0.89%
+14.1% YoY
|
0.77%
+12.4% YoY
|
0.95%
+18.8% YoY
|
76% |
| Loan-to-Deposit Ratio ? |
67.97%
-3.5% YoY
-3.8% QoQ
|
-16.23% |
84.20%
+0.3% YoY
|
79.34%
+0.5% YoY
|
76.70%
+0.9% YoY
|
85% |
| Non-Interest-Bearing Deposit Share ? |
15.37%
-3.2% YoY
+7.1% QoQ
|
-5.92% |
21.29%
-2.5% YoY
|
25.27%
-0.4% YoY
|
22.01%
-1.2% YoY
|
29% |
| Nonperforming Asset Ratio ? |
0.14%
-23.2% YoY
-16.6% QoQ
|
-0.54% |
0.67%
+15.6% YoY
|
0.55%
+12.2% YoY
|
0.67%
+19.3% YoY
|
80% |
| Tier 1 Capital Ratio ? |
12.12%
+2.3% YoY
+3.3% QoQ
|
-3.04% |
15.16%
+2.0% YoY
|
16.28%
+2.7% YoY
|
17.06%
+0.8% YoY
|
34% |
| Non-Interest Income / Assets ? |
0.23%
+13.6% YoY
-76.6% QoQ
|
-0.02% |
0.26%
+1.6% YoY
|
0.18%
+27.1% YoY
|
0.32%
+4.1% YoY
|
78% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.