---
schema_version: "secwatch.filing_event.v1"
accession: "0001275101-26-000008"
form_type: "8-K"
ticker: "BOTJ"
cik: "0001275101"
company_name: "BANK OF THE JAMES FINANCIAL GROUP INC"
filed_at: "2026-02-04T23:59:59+00:00"
generated_at: "2026-05-16T04:50:55.161972+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0001275101-26-000008
- form_type: 8-K
- ticker: BOTJ
- cik: 0001275101
- company_name: BANK OF THE JAMES FINANCIAL GROUP INC
- filed_at: 2026-02-04T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1275101/000127510126000008/0001275101-26-000008-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1275101/000127510126000008/botj-20260204x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001275101-26-000008
- JSON: https://secwatch.observer/filing/0001275101-26-000008.json
- Plain text: https://secwatch.observer/filing/0001275101-26-000008.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.