BANK OF THE JAMES
LYNCHBURG, VIRGINIA · FDIC Cert #35207
Capital & Safety Analysis
According to FDIC financial data, BANK OF THE JAMES holds a Tier 1 capital ratio of 12.45%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning BANK OF THE JAMES has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
BANK OF THE JAMES shows strong financial health indicators. With $968M in assets and a Health Score of 88/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
BANK OF THE JAMES has a Bank Health Score of A (88/100). It holds a Tier 1 capital ratio of 12.45%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
BANK OF THE JAMES holds $968M in total assets and $888M in total deposits. It is located in LYNCHBURG, VIRGINIA (FDIC Certificate #35207).
BANK OF THE JAMES has a Tier 1 capital ratio of 12.45%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 0.13%, and the return on assets is 0.96%.
Yes. BANK OF THE JAMES is FDIC-insured (Certificate #35207). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.