| Metric | Bank of the James | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.4% | +5.5% | -2.1 pts |
| Deposit growth (YoY) | +2.3% | +5.1% | -2.8 pts |
| Loan growth (YoY) | +5.9% | +5.9% | -0.0 pts |
| ROA | 1.01% | 1.26% | -0.3 pts |
| ROE | 13.1% | 12.2% | +0.9 pts |
ROA ranks in the 30th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.03B | $938.1M | $691.7M | $81.6M | $5.2M | 1.01% | 3.85% | 0.11% |
| Q1 2026 | $1.05B | $959.2M | $652.0M | $79.7M | $2.4M | 0.91% | 3.74% | 0.14% |
| Q4 2025 | $1.03B | $940.6M | $664.8M | $78.4M | $7.8M | 0.78% | 3.68% | 0.17% |
| Q3 2025 | $1.01B | $922.5M | $657.1M | $75.0M | $5.2M | 0.70% | 3.64% | 0.19% |
| Q2 2025 | $1.00B | $917.5M | $653.3M | $69.8M | $3.0M | 0.60% | 3.59% | 0.18% |
| Q1 2025 | $1.00B | $919.0M | $647.1M | $71.3M | $574K | 0.23% | 3.49% | 0.18% |
| Q4 2024 | $970.1M | $890.2M | $640.2M | $67.6M | $7.0M | 0.72% | 3.45% | 0.17% |
| Q3 2024 | $998.4M | $910.5M | $630.4M | $76.2M | $5.5M | 0.75% | 3.38% | 0.13% |
Loan mix (Q2 2026): real estate $613.2M · commercial $67.3M · consumer $13.9M · securities $240.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Bank of the James | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.01% | 1.26% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 13.1% | 12.2% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.85% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.0% | 59.0% | 83th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Bank of the James | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Bank of the James | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Bank of the James | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Bank of the James | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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