secwatch.observer — SEC 8-K summary
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Issuer:     BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ)
CIK:        0001275101
Form:       8-K
Filed at:   2026-02-04T23:59:59+00:00
Accession:  0001275101-26-000008
Event type: earnings
Sentiment:  positive
Materiality: 0.80
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1275101/000127510126000008/0001275101-26-000008-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1275101/000127510126000008/botj-20260204x8k.htm
  HTML page:      https://secwatch.observer/filing/0001275101-26-000008

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer