---
schema_version: "secwatch.filing_event.v1"
accession: "0001562762-25-000195"
form_type: "8-K/A"
ticker: "BOTJ"
cik: "0001275101"
company_name: "BANK OF THE JAMES FINANCIAL GROUP INC"
filed_at: "2025-08-05T23:59:59+00:00"
generated_at: "2026-05-17T20:29:18.698222+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Bank of the James Q2 2025 net income $2.70M, EPS $0.60; assets corrected to $1.004B

## Summary
- Q2 net income of $2.70M ($0.60/diluted share) vs $2.15M ($0.47) a year ago.
- Net interest margin improved to 3.45% in Q2 2025 vs 3.02% in Q2 2024.
- Loans net of allowance grew to $649.09M at June 30, 2025 from $636.55M at Dec 31, 2024.
- Capital notes of ~$10M retired; expected to reduce annual interest expense by ~$327,000.
- Quarterly dividend of $0.10/share declared, payable Sept 26, 2025 to holders of record Sept 12.

## SEC filing metadata
- accession: 0001562762-25-000195
- form_type: 8-K/A
- ticker: BOTJ
- cik: 0001275101
- company_name: BANK OF THE JAMES FINANCIAL GROUP INC
- filed_at: 2025-08-05T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1275101/000156276225000195/0001562762-25-000195-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1275101/000156276225000195/botj-20250804x8ka.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001562762-25-000195
- JSON: https://secwatch.observer/filing/0001562762-25-000195.json
- Plain text: https://secwatch.observer/filing/0001562762-25-000195.txt

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