{"schema_version":"secwatch.filing_event.v1","accession":"0001275101-26-000023","form_type":"8-K","ticker":"BOTJ","cik":"0001275101","company_name":"BANK OF THE JAMES FINANCIAL GROUP INC","filed_at":"2026-07-30T20:15:37+00:00","discovered_at":"2026-07-30T20:17:00.215091+00:00","generated_at":"2026-07-30T20:17:25.963425+00:00","sec_items":["2.02","8.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Bank of the James Q2 net income $3.24M, EPS $0.71; H1 net income $6.01M, EPS $1.32","bullets":["Q2 2026 net income $3.24M ($0.71 EPS) vs $2.70M ($0.60 EPS) in Q2 2025, up 20%.","First half 2026 net income $6.01M ($1.32 EPS) vs $3.55M ($0.78 EPS) in H1 2025, up 69%.","Net interest margin (tax-equivalent) improved to 3.71% from 3.44% in Q2 2025.","Loans net $686.08M, up $37M from March 31, 2026; nonperforming loans fell to $1.09M.","Quarterly dividend declared $0.10/share, payable Sept 4, 2026 to holders of record Aug 21."],"urls":{"canonical":"https://secwatch.observer/filing/0001275101-26-000023","json":"https://secwatch.observer/filing/0001275101-26-000023.json","markdown":"https://secwatch.observer/filing/0001275101-26-000023.md","text":"https://secwatch.observer/filing/0001275101-26-000023.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1275101/000127510126000023/0001275101-26-000023-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1275101/000127510126000023/botj-20260728x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-30T20:17:25.963425+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}