Bank of the James Q1 net income $2.77M ($0.61 EPS) vs $0.19 YoY, dividend $0.10

BANK OF THE JAMES FINANCIAL GROUP INC

2026-Q1 EPS reported $0.61 revenue$994,000

Net income $2.77M, EPS $0.61, vs $842K ($0.19) in Q1 2025.
Net interest income up 13.15% to $8.73M; net interest margin 3.57% from 3.25%.
Total assets $1.06B (+4.89% YoY); deposits $956.55M (+4.92%).
Nonperforming loans down to $1.45M from $1.80M; allowance 4.28x coverage.
Board declared $0.10/share quarterly dividend, payable June 5, 2026.

item 2.02 item 8.01 item 9.01

Key facts

Extracted from this filing and checked against the source text.

Earnings Releases SEC 8-K Item 2.02 confidence 0.9

BANK OF THE JAMES FINANCIAL GROUP INC reported the three-month period ended March 31, 2026 results: revenue $8.73 million, net income $2.77 million, EPS $0.61 per share.

Period: the three-month period ended March 31, 2026
Revenue: $8.73 million
Net income: $2.77 million
EPS: $0.61 per share
Result: reported results

Exact text from the filing

at December 31, 2025. " Total deposits were $956.55 million at March 31, 2026, compared with $937.13 million at December 31, 2025. " Net interest income increased 13.15% to $8.73 million in the first quarter of 2026 from $7.72 million in the first quarter of 2025. " Net interest margin for the three months ended March 31, 2026 was 3.57% compared with 3.25% for

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Source: SEC EDGAR

accession 0001275101-26-000017

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