Bank of the James Reports Record 2025 Net Income of $9.02 Million, Up 13.6%

BANK OF THE JAMES FINANCIAL GROUP INC

2025-FY EPS reported $1.99 revenue$4,273,000

Record annual earnings of $9.02 million for 2025, up from $7.94 million in 2024.
Fourth quarter net income $2.72 million, EPS $0.60, vs $1.62 million and $0.36 in Q4 2024.
Total assets reached $1.04 billion at Dec 31, 2025, up 6.1% from $979.24 million.
Net interest margin improved to 3.44% in Q4 2025 from 3.18% in Q4 2024.
Efficiency ratio improved to 70.81% in Q4 2025 from 82.62% in Q4 2024.

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