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:   2026-04-30T23:59:59+00:00
Accession:  0001275101-26-000017
Event type: earnings
Sentiment:  positive
Materiality: 0.70
Item codes: 2.02, 8.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1275101/000127510126000017/0001275101-26-000017-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1275101/000127510126000017/botj-20260428x8k.htm
  HTML page:      https://secwatch.observer/filing/0001275101-26-000017

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