Bank of the James Q2 net income $2.7M ($0.60 EPS); net interest margin expands to 3.45%

BANK OF THE JAMES FINANCIAL GROUP INC

2025-Q2 EPS reported $0.78 revenue$1,956,000

Q2 net income $2.7M ($0.60/share) vs $2.15M ($0.47) a year earlier; H1 net income $3.55M ($0.79) vs $4.34M ($0.95).
Net interest margin 3.45% (Q2) vs 3.02% prior year; interest expense down 12% YoY.
Loans net of allowance grew to $649M from $636.5M at year-end 2024; CRE loans $355.7M.
Retired $10M capital notes in Q2, saving ~$327K annual interest; bank well-capitalized with Tier 1 leverage 8.85%.
Board declared $0.10/share quarterly dividend, payable Sept 26, 2025 to holders of record Sept 12, 2025.

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