Bank of the James
Lynchburg, Virginia · FDIC Cert #35207
Bank of the James is an FDIC-insured bank (Certificate #35207) with $968M in total assets and $888M in total deposits as of the Q2 2024 Call Report. Headquartered in Lynchburg, Virginia, the bank maintains a Tier 1 capital ratio of 12.45% (Well-Capitalized) and a nonperforming loan ratio of 0.13%. BankHealthData assigns a composite Health Grade of A (88/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Bank of the James (FDIC cert 35207) is a community bank — $968M in total assets, $888M in deposits, serving the Lynchburg, Virginia area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 12.45% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is clean: non-performing loan ratio of 0.13% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is comfortable: 29.4% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is solid: ROA of 0.96% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is mildly positive across the recent-quarters window. The directional signal is favorable but not dramatic. Bank of the James carries a composite BankHealth grade of A (88/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Bank of the James
- Total Assets
- $968M
- Total Deposits
- $888M
- Tier 1 Capital Ratio
- 12.45%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.13%
- Liquidity Ratio
- 29.44%
- Return on Assets
- 0.96%
- Headquarters
- Lynchburg, Virginia
- FDIC Certificate
- #35207
- Health Grade
- A (88/100)
- Latest Call Report
- Q2 2024
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.
How Bank of the James Compares
Bank of the James’s Health Score of 88 is 16 points above the Virginia state average of 72 across 49 FDIC-insured banks. Its 12.45% Tier 1 capital ratio is 1.5 points below the US banking industry average near 14%. The 0.13% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 0.96% is below the national ROA benchmark of ~1.1%. Among 1059 similarly-sized banks, the average Health Score is 71, meaning this bank ranks above its size cohort. Site-wide, Bank of the James is 18 points above the portfolio average of 70.
Frequently Asked Questions
Bank of the James has a Bank Health Score of A (88/100), placing it one of the safest banks in our analysis. 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 failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Bank of the James's Tier 1 capital ratio of 12.45% and nonperforming loan ratio of 0.13% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Bank of the James is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #35207). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Bank of the James holds $968M in total assets and $888M in total deposits. It is headquartered in Lynchburg, Virginia (FDIC Certificate #35207).
Bank of the James has a Tier 1 capital ratio of 12.45%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's 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 — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Bank of the James's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.