secwatch.observer — SEC 8-K summary
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Issuer:     BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ)
CIK:        0001275101
Form:       8-K/A
Filed at:   2025-08-05T23:59:59+00:00
Accession:  0001562762-25-000195
Event type: earnings
Sentiment:  positive
Materiality: 0.65
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1275101/000156276225000195/0001562762-25-000195-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1275101/000156276225000195/botj-20250804x8ka.htm
  HTML page:      https://secwatch.observer/filing/0001562762-25-000195

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