---
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"
generated_at: "2026-07-30T20:17:25.963425+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Bank of the James Q2 net income $3.24M, EPS $0.71; H1 net income $6.01M, EPS $1.32

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001275101-26-000023
- JSON: https://secwatch.observer/filing/0001275101-26-000023.json
- Plain text: https://secwatch.observer/filing/0001275101-26-000023.txt

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