secwatch.observer — SEC 8-K summary
======================================

Issuer:     BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ)
CIK:        0001275101
Form:       8-K
Filed at:   2026-07-30T20:15:37+00:00
Accession:  0001275101-26-000023
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 8.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

- 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.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1275101/000127510126000023/0001275101-26-000023-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1275101/000127510126000023/botj-20260728x8k.htm
  HTML page:      https://secwatch.observer/filing/0001275101-26-000023

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