---
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"
generated_at: "2026-05-17T21:22:21.553176+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 $2.7M ($0.60 EPS); net interest margin expands to 3.45%

## Summary
- 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.

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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001562762-25-000191
- JSON: https://secwatch.observer/filing/0001562762-25-000191.json
- Plain text: https://secwatch.observer/filing/0001562762-25-000191.txt

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