Is Bank of the James Safe?
Bank of the James has a Bank Health Score of 88/100 (A), based on FDIC call report data. Its strongest factor is liquidity (98/100), while profitability is its weakest area (59/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 12.45% | 80/100 |
| Nonperforming Loan Ratio | 0.13% | 97/100 |
| Liquidity Ratio | 29.44% | 98/100 |
| Return on Assets | 0.96% | 59/100 |
| Total Assets | $1.0B | |
How does Bank of the James compare?
With a Bank Health Score of 88/100, Bank of the James sits 18.0 points above the national average of 70/100 for FDIC-insured banks. Within Virginia, where 49 FDIC-insured banks are headquartered, Bank of the James ranks above the state average of 72/100 (Grade B).
The bank's Tier 1 capital ratio of 12.45% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.13% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Bank of the James's Bank Health Score held roughly steady at 88/100. Tier 1 capital strengthened by 0.34 percentage points to 12.45%. Quarter-over-quarter, the score fell by 1.0 points.
Bank of the James has a Bank Health Score of 88/100 (A), based on FDIC call report data. Its strongest factor is liquidity (98/100), while profitability is its weakest area (59/100).