Bank of the James

Overview / Commentary
828 Main St.
Lynchburg, VA 24504

Bank of the James is headquartered in LYNCHBURG and is the 30th largest bank in the state of Virginia. It is also the 1,047th largest bank in the nation. It was established in 1999 and as of September of 2023, it had grown to 158 employees at 19 locations. Bank of the James has a B+ health rating.

Reviews (1)

Best local bank in central Va

Posted by: |

For the most part, I always get great customer service when I walk in to any of these local branches. At my typical branch, someone always greets me and opens the door for me, making me feel relaxed and positive before I even begin my transaction. I have business accounts with them and I've had the pleasure of working with bankers on several occasions. Every time, they have been curious and been good listeners, ensuring that I get the most out of my accounts and with the least amount of fees. They fix my problems quickly and I don't have to wait around all day to talk to someone like I would at some larger banks. I am considering moving my personal accounts to them too but the main two things holding me back is that I like having locations across multiple states in case I am out of town, and they're mobile/web experience is not as strong and user friendly as some other big banks. It is important to me to be able to access accounts quickly online.


Health Grade Components

FDIC Certificate #35207
Year Established1999
Primary RegulatorFED
Profit Margin
Return on Assets - YTD0.85%
Return on Equity - YTD13.52%
Annual Interest Income$28.9MM
Assets and Liabilities
AssetsQ3 2023vs Q3 2022$951.7MM$952.1MM
LoansQ3 2023vs Q3 2022$602.9MM$617.4MM
DepositsQ3 2023vs Q3 2022$882.7MM$887.1MM
Equity CapitalQ3 2023vs Q3 2022$58.5MM$54.9MM
Loan Loss AllowanceQ3 2023vs Q3 2022$7.3MM$6.4MM
Unbacked Noncurrent LoansQ3 2023vs Q3 2022$585K$788K
Real Estate OwnedQ3 2023vs Q3 2022$0$566K

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