🏦Bank Scorer

BANK OF THE JAMES

LYNCHBURG, VA · Supervised by Federal Reserve (FRB)

Est. 1999FDIC #35,207RSSD: FRB-2787770
Satisfactory Same

Current rating · Exam: May 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.91%

Institution Profile

FDIC BankFind

Address

828 Main St, LYNCHBURG, VA

County

Lynchburg City County

Established

July 22, 1999

Total Assets

$1.1B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

May 27, 2025

Exam Type

Intermediate Small Bank

Regulator

Federal Reserve (FRB)
What is a CRA rating? →
Estimated next exam:May 2029(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.1B

Total Deposits

$959M

Net Loans

$652M

Net Income

$2M

ROA

0.91%

ROE

12.04%

Risk-Based Capital

12.98%

Regulatory minimum: 8%

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate16.67%Peer avg: 9.91%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

22

Branch Deposits

$918M

1-Year Change

+2

5-year net change: +4 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202412669.84%16.67%
202332277.64%12.42%
202244286.65%7.24%
202110178.22%7.92%
202014577.93%11.72%
201915576.13%10.32%
201820179.6%11.94%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

7 previous ratings locked — dating back to 2000

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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