Bank of the James Reports Record Quarterly Earnings and Margin Expansion

Reuters

2025/10/31

Bank of the James Reports Record Quarterly Earnings and Margin Expansion

Bank of the James Financial Group reported unaudited financial results for the third quarter and first nine months of 2025. Net interest income for the third quarter was $8.3 million, representing a 10.5% increase compared to the previous period. The net interest margin expanded to 3.4%. Total assets grew to $1.02 billion as of September 30, 2025, up from $979.2 million at December 31, 2024. Stockholders' equity rose to $77.0 million from $64.9 million at the end of 2024, and retained earnings increased to $47.7 million from $42.8 million. Book value per share was $16.9 at the end of the third quarter, compared to $14.3 at the end of the previous year. The company reported a nonperforming loan ratio of 0.3%. The period saw growth in the loan portfolio, primarily in commercial real estate loans, and an increase in securities available-for-sale at fair value. The bank maintained a strong asset quality and reported no brokered deposits at the end of the periods.

Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. Bank of the James published the original content used to generate this news brief via EDGAR, the Electronic Data Gathering, Analysis, and Retrieval system operated by the U.S. Securities and Exchange Commission (Ref. ID: 0001275101-25-000003), on October 30, 2025, and is solely responsible for the information contained therein.

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Net interest income for the third quarter was $8.3 million, representing a 10.5% increase compared to the previous period. The net interest margin expanded to 3.4%. Total assets grew to $1.02 billion as of September 30, 2025, up from $979.2 million at December 31, 2024. Stockholders' equity rose to $77.0 million from $64.9 million at the end of 2024, and retained earnings increased to $47.7 million from $42.8 million. Book value per share was $16.9 at the end of the third quarter, compared to $14.3 at the end of the previous year. The company reported a nonperforming loan ratio of 0.3%. The period saw growth in the loan portfolio, primarily in commercial real estate loans, and an increase in securities available-for-sale at fair value. The bank maintained a strong asset quality and reported no brokered deposits at the end of the periods.\n      </p>\n</div><div xmlns:xsd=\"http://www.w3.org/2001/XMLSchema\" xmlns:xsi=\"http://www.w3.org/2001/XMLSchema-instance\">\n<em>Disclaimer: <span>This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. Bank of the James published the original content used to generate this news brief via EDGAR, the Electronic Data Gathering, Analysis, and Retrieval system operated by the U.S. Securities and Exchange Commission (Ref. ID: 0001275101-25-000003), on October 30, 2025, and is solely responsible for the information contained therein.</span></em>\n</div></body></html>","source":null,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Bank of the James Reports Record Quarterly Earnings and Margin Expansion</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 12.5px; color: #7E829C; margin: 0;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nBank of the James Reports Record Quarterly Earnings and Margin Expansion\n</h2>\n<h4 class=\"meta\">\n<a class=\"head\" href=\"https://laohu8.com/wemedia/1032215980\">\n\n<div class=\"h-thumb\" style=\"background-image:url(https://community-static.tradeup.com/news/4567337cbdf294b657b1fa87c5488b48);background-size:cover;\"></div>\n\n<div class=\"h-content\">\n<p class=\"h-name\">Reuters </p>\n<p class=\"h-time smaller\">2025-10-31 04:32</p>\n</div>\n</a>\n</h4>\n</header>\n<article>\n<html xmlns=\"http://www.w3.org/1999/xhtml\" xmlns:newsg2=\"http://iptc.org/std/nar/2006-10-01/\" xmlns:xhtml=\"http://www.w3.org/1999/xhtml\"><head><title>\n      Bank of the James Reports Record Quarterly Earnings and Margin Expansion\n    </title></head><body><div xmlns:xsd=\"http://www.w3.org/2001/XMLSchema\" xmlns:xsi=\"http://www.w3.org/2001/XMLSchema-instance\">\n<p>\n        Bank of the James Financial Group reported unaudited financial results for the third quarter and first nine months of 2025. Net interest income for the third quarter was $8.3 million, representing a 10.5% increase compared to the previous period. The net interest margin expanded to 3.4%. Total assets grew to $1.02 billion as of September 30, 2025, up from $979.2 million at December 31, 2024. Stockholders' equity rose to $77.0 million from $64.9 million at the end of 2024, and retained earnings increased to $47.7 million from $42.8 million. Book value per share was $16.9 at the end of the third quarter, compared to $14.3 at the end of the previous year. The company reported a nonperforming loan ratio of 0.3%. The period saw growth in the loan portfolio, primarily in commercial real estate loans, and an increase in securities available-for-sale at fair value. The bank maintained a strong asset quality and reported no brokered deposits at the end of the periods.\n      </p>\n</div><div xmlns:xsd=\"http://www.w3.org/2001/XMLSchema\" xmlns:xsi=\"http://www.w3.org/2001/XMLSchema-instance\">\n<em>Disclaimer: <span>This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. Bank of the James published the original content used to generate this news brief via EDGAR, the Electronic Data Gathering, Analysis, and Retrieval system operated by the U.S. Securities and Exchange Commission (Ref. ID: 0001275101-25-000003), on October 30, 2025, and is solely responsible for the information contained therein.</span></em>\n</div></body></html>\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"BOTJ","symbol_name":"詹姆斯金融銀行","start_time":0,"source_url":"https://api.refinitiv.com/data/news/v1/stories/urn:newsml:reuters.com:20251030:nNDL5W3My9:1","article_id":"2579177247","we_media_id":"1032215980","thumbnails":[],"rights":null,"url":"https://stock-news.laohu8.com/highlight/detail?id=2579177247","pubTimestamp":1761856379,"columns":[],"sourceInfo":null,"weMediaInfo":{"media_name":"Reuters","introduction":"Reuters.com brings you the latest news from around the world, covering breaking news in markets, business, politics, entertainment and technology","home_visible":1,"id":"1032215980","head_image":"https://community-static.tradeup.com/news/4567337cbdf294b657b1fa87c5488b48"},"summary":"Bank of the James Financial Group reported unaudited financial results for the third quarter and first nine months of 2025. 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Stockholders' equity rose to $77.0 million from $64.9 million at the end of 2024, and retained earnings increased to $47.7 million from $42.8 million. Book value per share was $16.9 at the end of the third quarter, compared to $14.3 at the end of the previous year. The company reported a nonperforming loan ratio of 0.3%. The period saw growth in the loan portfolio, primarily in commercial real estate loans, and an increase in securities available-for-sale at fair value. The bank maintained a strong asset quality and reported no brokered deposits at the end of the periods.\n      \n\nDisclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. Bank of the James published the original content used to generate this news brief via EDGAR, the Electronic Data Gathering, Analysis, and Retrieval system operated by the U.S. Securities and Exchange Commission (Ref. ID: 0001275101-25-000003), on October 30, 2025, and is solely responsible for the information contained therein.","kind":"highlight","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"2","news_tag":"dataReport,express","news_rank":0,"symbols":[],"gpt_button":0,"need_auth":false,"code":"91000000","status":"200"}}}