{"schema_version":"secwatch.filing_event.v1","accession":"0001562762-25-000191","form_type":"8-K","ticker":"BOTJ","cik":"0001275101","company_name":"BANK OF THE JAMES FINANCIAL GROUP INC","filed_at":"2025-08-04T23:59:59+00:00","discovered_at":"2026-05-14T18:02:43.564635+00:00","generated_at":"2026-05-17T21:22:21.553176+00:00","sec_items":["2.02","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 $2.7M ($0.60 EPS); net interest margin expands to 3.45%","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001562762-25-000191","json":"https://secwatch.observer/filing/0001562762-25-000191.json","markdown":"https://secwatch.observer/filing/0001562762-25-000191.md","text":"https://secwatch.observer/filing/0001562762-25-000191.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1275101/000156276225000191/0001562762-25-000191-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1275101/000156276225000191/botj-20250804x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T21:22:21.553176+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"}