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

BOTJ Balance Sheet

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents	84.48	73.31	74.84	61.76	183.15
Securities and Investments	219.55	193.34	221.67	190.81	166.25
Other Earning Assets	3.47	3.62	1.26	2.42	1.63
Net Loans	661.36	636.55	601.92	605.37	576.47
Net Property, Plant & Equipment	19.13	19.31	18.14	17.97	18.35
Accrued Interest and Accounts Receivable	3.38	3.07	2.84	2.74	2.06
Other Intangible Assets	6.16	6.73	7.29	7.85	8.41
Goodwill	2.05	2.05	2.05	2.05	3
Long-Term Investments	23.68	22.91	21.59	19.24	18.79
Other Non-Earning Assets	15.77	18.36	17.78	18.36	9.53
Total Assets	1,039	979.24	969.37	928.57	987.63
Interest-bearing deposits	805.67	752.71	744.18	693.25	724.77
Noninterest-bearing deposits	131.46	129.69	134.28	154.88	162.29
Total Deposits	937.13	882.4	878.46	848.14	887.06
Accrued Expenses	1.17	0.72	0.48	0.09	0.05
Long-Term Debt	8.8	19.35	19.93	20.49	21.02
Other Liabilities	11.88	11.91	10.46	9.62	10.09
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
Accumulated Other Comprehensive Income	-14.94	-22.92	-21.62	-26.78	-1.39
Retained Earnings	50.01	42.8	36.68	31.03	23.44
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	19.35	19.93	20.49	21.02
Net Cash (Debt)	-8.8	-19.35	-19.93	-20.49	-21.02
Net Cash Per Share	-1.94	-4.26	-4.37	-4.36	-4.43
Book Value	80.05	64.87	60.04	50.23	69.43
Book Value Per Share	17.62	14.28	13.16	10.69	14.62
Tangible Book Value	71.83	56.09	50.7	40.33	58.02
Tangible Book Value Per Share	15.81	12.34	11.11	8.58	12.22

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q