Bank of the James reported its financial results for the fourth quarter and full year ending December 31, 2025. For Q4 2025, the company recorded interest income of USD 12.01 million. Net interest income for the fourth quarter was USD 8.54 million, reflecting an increase of 11.09%. Provision for credit losses amounted to USD 0.27 million for the period. Total noninterest expenses for Q4 2025 were USD 9.11 million. Income before income taxes for the quarter stood at USD 3.49 million, while net income was USD 2.72 million. Earnings per share for the period were USD 0.60. For the full year 2025, interest income reached USD 46.66 million, up 4.51%. Net interest income for the year totaled USD 32.81 million, an increase of 12.21%. Total noninterest expenses for the year were USD 37.55 million. Income before income taxes was USD 11.15 million, and net income for the full year was USD 9.02 million. Earnings per share for the year were USD 1.99. The company reported total cash and cash equivalents of USD 84.48 million as of December 31, 2025. Securities available-for-sale were valued at USD 214.13 million at the end of the period. Bank of the James continues to provide financial services through its subsidiary, Pettyjohn, Wood & White, Inc., an SEC-registered investment advisor. The company’s common stock is listed under the symbol BOTJ on the NASDAQ Stock Market.

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 GlobeNewswire (Ref. ID: 9648920) on February 04, 2026, and is solely responsible for the information contained therein.