BlastPoint's Banking Scorecard
Bank of the James
Designations: ✓ Community bank
Lynchburg, VA
22 branches across VA
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 23 in VA.
- Deposits +2.2% year over year ($938.1M on the books).
- Delinquency rate 0.16%.
- Return on assets 1.01%.
- Efficiency ratio 72.05% vs a 59.73% peer average.
- Loan-to-deposit ratio 73.74% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bank of the James has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.71% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.39% below tier average
- - Efficiency Ratio 12.32% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.0B
+3.4% YoY
-1.8% QoQ
|
-$1.8B |
$2.8B
-0.6% YoY
|
$17.9B
+3.0% YoY
|
$6.3B
+7.7% YoY
|
Bottom 3.3% in tier |
| Total Loans ? |
$691.7M
+5.9% YoY
+6.1% QoQ
|
-$1.3B |
$2.0B
-0.3% YoY
|
$10.9B
+3.1% YoY
|
$3.2B
+9.4% YoY
|
Bottom 7.6% in tier |
| Total Deposits ? |
$938.1M
+2.2% YoY
-2.2% QoQ
|
-$1.4B |
$2.3B
-0.5% YoY
|
$14.1B
+3.2% YoY
|
$4.9B
+7.3% YoY
|
Bottom 11.4% in tier |
| Return on Assets ? |
1.01%
+67.8% YoY
+10.2% QoQ
|
-0.39% |
1.39%
+17.0% YoY
|
1.34%
+70.7% YoY
|
1.30%
+12.1% YoY
|
30% |
| Net Interest Margin ? |
3.85%
+7.4% YoY
+2.9% QoQ
|
-0.02% |
3.87%
+6.2% YoY
|
3.88%
+6.6% YoY
|
3.95%
+4.9% YoY
|
59% |
| Efficiency Ratio ? |
72.05%
-14.9% YoY
-4.7% QoQ
|
+12.32% |
59.73%
-12.6% YoY
|
62.24%
-10.7% YoY
|
70.05%
+2.5% YoY
|
18% |
| Delinquency Rate ? |
0.16%
-44.2% YoY
-29.1% QoQ
|
-0.71% |
0.87%
+11.7% YoY
|
0.72%
+0.1% YoY
|
0.98%
+16.3% YoY
|
82% |
| Loan-to-Deposit Ratio ? |
73.74%
+3.6% YoY
+8.5% QoQ
|
-11.30% |
85.04%
-0.1% YoY
|
80.15%
+0.8% YoY
|
79.03%
+2.3% YoY
|
79% |
| Non-Interest-Bearing Deposit Share ? |
14.85%
-5.9% YoY
-3.4% QoQ
|
-6.42% |
21.27%
-1.5% YoY
|
26.19%
+3.5% YoY
|
21.98%
-0.6% YoY
|
27% |
| Nonperforming Asset Ratio ? |
0.11%
-42.8% YoY
-23.4% QoQ
|
-0.57% |
0.67%
+11.7% YoY
|
0.52%
-0.4% YoY
|
0.69%
+15.8% YoY
|
84% |
| Tier 1 Capital Ratio ? |
11.80%
+3.7% YoY
-2.6% QoQ
|
-3.04% |
14.84%
-0.4% YoY
|
16.58%
+3.9% YoY
|
17.09%
+0.8% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.52%
+7.2% YoY
+125.1% QoQ
|
+0.00% |
0.53%
+2.5% YoY
|
0.52%
+72.6% YoY
|
0.66%
+5.2% YoY
|
82% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
14.9%
-0.9pp YoY -0.5pp QoQ |
-6.5pp | 21.4% | 26.2% | 22.2% | 26% |
| Brokered Deposits | n/a | n/a | 9.5% | 8.5% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
9.7%
-0.4pp YoY +0.8pp QoQ |
-4.3pp | 14.0% | 11.0% | 12.5% | 43% |
| CRE |
60.3%
+1.0pp YoY -0.5pp QoQ |
+10.3pp | 50.0% | 46.9% | 41.4% | 76% |
| 1-4 Family |
26.8%
-0.5pp YoY -0.4pp QoQ |
+0.4pp | 26.4% | 32.6% | 31.3% | 59% |
| Consumer |
2.0%
-0.4pp YoY -0.2pp QoQ |
-2.7pp | 4.7% | 8.0% | 5.0% | 64% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
11.8%
+0.4pp YoY -0.3pp QoQ |
-3.8pp | 15.6% | 17.2% | 19.7% | 20% |
| Leverage Ratio |
9.4%
+0.5pp YoY +0.2pp QoQ |
-1.9pp | 11.3% | 12.2% | 12.6% | 20% |
| Total Capital Ratio |
12.7%
+0.5pp YoY -0.3pp QoQ |
-4.0pp | 16.7% | 18.3% | 20.8% | 16% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
163
+9 (+5.8%) YoY 0 QoQ |
-151 | 313 | 1,956 | 482 | 28% |
| Assets per Employee ($) |
$6.3M
-2.4% YoY -1.8% QoQ |
-$4.1M | $10.5M | $9.9M | $8.8M | 16% |
| Branch Count |
22
0 YoY 0 QoQ |
+2 | 20 | 28 | 18 | 70% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.2%
-0.1pp YoY -0.1pp QoQ |
-0.7pp | 0.8% | 0.7% | 1.0% | 17% |
| Allowance Coverage |
6.05x
+77.0% YoY +41.4% QoQ |
-12.66x | 18.71x | 9.47x | 20.23x | 81% |
| Net Charge-off Rate (YTD) |
0.1%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.2% | 0.2% | 54% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.1%
+4.5pp YoY +1.0pp QoQ |
+0.5pp | 12.6% | 12.0% | 11.6% | 58% |
| Cost of Funds (YTD) |
1.2%
-0.2pp YoY 0.0pp QoQ |
-0.7pp | 1.9% | 1.7% | 1.7% | 11% |
| Net Income ($, YTD) |
$5.2M
+76.0% YoY — QoQ |
-$14.0M | $19.2M | $137.1M | $40.4M | 13% |
Get Full Access to Bank of the James
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.