Bank of the James Financial Group, Inc. (BOTJ)

NASDAQ: BOTJ · Real-Time Price · USD

20.72

-0.26 (-1.24%)

At close: Feb 24, 2026, 4:00 PM EST

19.99

-0.73 (-3.52%)

After-hours: Feb 24, 2026, 5:04 PM EST

BOTJ Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	84.48	73.31	74.84	61.76	183.15
Investment Securities	217.72	132.55	125.05	121.58	127.48
Trading Asset Securities	-	0.04	-	-	-
Mortgage-Backed Securities	-	58.97	95.08	67.84	37.44
Total Investments	217.72	191.56	220.13	189.43	164.92
Gross Loans	667.81	647.21	610.59	611.63	583.38
Allowance for Loan Losses	-6.45	-7.04	-7.41	-6.26	-6.92
Net Loans	661.36	640.17	603.18	605.37	576.47
Property, Plant & Equipment	19.13	22.43	21.93	22.25	23.12
Goodwill	2.05	2.05	2.05	2.05	3
Other Intangible Assets	6.16	6.73	7.29	7.85	8.41
Loans Held for Sale	3.47	-	-	2.42	1.63
Accrued Interest Receivable	3.38	3.07	2.84	2.74	2.06
Other Real Estate Owned & Foreclosed	-	-	-	0.57	0.76
Other Long-Term Assets	41.27	39.93	37.12	34.14	24.11
Total Assets	1,039	979.24	969.37	928.57	987.63
Interest Bearing Deposits	805.67	708.47	709.21	675.73	705.24
Institutional Deposits	-	44.25	34.97	17.53	19.53
Non-Interest Bearing Deposits	131.46	129.69	134.28	154.88	162.29
Total Deposits	937.13	882.4	878.46	848.14	887.06
Current Portion of Leases	-	0.69	-	-	-
Accrued Interest Payable	1.17	0.72	0.48	0.09	0.05
Long-Term Debt	8.8	19.35	19.93	20.49	21.02
Long-Term Leases	-	3.24	4.21	4.65	5.07
Other Long-Term Liabilities	11.88	7.98	6.25	4.98	5.02
Total Liabilities	958.98	914.38	909.33	878.35	918.21
Common Stock	9.72	9.72	9.72	9.91	10.15
Additional Paid-In Capital	35.25	35.25	35.25	36.07	37.23
Retained Earnings	50.01	42.8	36.68	31.03	23.44
Comprehensive Income & Other	-14.94	-22.92	-21.62	-26.78	-1.39
Shareholders' Equity	80.05	64.87	60.04	50.23	69.43
Total Liabilities & Equity	1,039	979.24	969.37	928.57	987.63
Total Debt	8.8	23.28	24.15	25.14	26.09
Net Cash (Debt)	75.68	50.08	50.69	36.62	157.07
Net Cash Growth	51.13%	-1.22%	38.43%	-76.69%	83.97%
Net Cash Per Share	16.66	11.02	11.11	7.79	33.08
Filing Date Shares Outstanding	4.54	4.54	4.54	4.58	4.74
Total Common Shares Outstanding	4.54	4.54	4.54	4.63	4.74
Book Value Per Share	17.62	14.28	13.21	10.85	14.65
Tangible Book Value	71.83	56.09	50.7	40.33	58.02
Tangible Book Value Per Share	15.81	12.34	11.16	8.71	12.24

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q