Compared with Virginia
9 of 12
compared fees are above the median.
2 below, 1 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
26th percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the Virginia median
of 12 compared; 2 below, 1 about the same
See the feesFee schedule read Oct 15, 2026
Call-report figures are for Bank of the James at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 869 banks with $1B to $10B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Virginia median | Published fees above the Virginia median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Bank of the James's published fee schedule; Bank Fee Index medians | Current schedule | Oct 15, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 1.3% of revenue, below the 2.2% median of 869 banks with $1B to $10B in assets (26th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $163K in Q2 2026, 3.2% above the same quarter a year earlier ($158K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
9 of 12 compared published fees sit above the Virginia median; 2 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Virginia medians for fees published by banks and credit unions.
Wire Transfer (Domestic In)
Wire Transfer (Domestic Out)
Stop Payment
Each amount links to the fee schedule it was read from. Medians for Virginia, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 2.4% from Q3 2025 to Q2 2026, to $163K. Its share of revenue, 1.3%, is below the 2.2% median for banks with $1B to $10B in assets.
$163K
Bank of the JamesMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 869 banks with $1B to $10B in assets, Q2 2026.
Bank of the James · $1B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Bank of the James(this institution) | Lynchburg, VA | $1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| BNC National Bank | Glendale, AZ | $1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Brannen Bank | Inverness, FL | $1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Brentwood Bank | Bethel Park, PA | $1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Calvin B. Taylor Banking Company of Berlin, Maryland | Berlin, MD | $1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Centennial Bank | Trezevant, TN | $1.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Clear Mountain Bank | Bruceton Mills, WV | $1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Farm Bureau Bank FSB | Reno, NV | $1.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Central Savings Bank | Glen Cove, NY | $1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| First Federal Savings and Loan Association of Greene Co | Waynesburg, PA | $1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| First Metro Bank | Muscle Shoals, AL | $1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Service Bank | Greenbrier, AR | $1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| GNBank, National Association | Girard, KS | $1.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Grand Savings Bank | Grove, OK | $1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Great Midwest Bank, S.S.B. | Brookfield, WI | $1.1B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Jonestown Bank and Trust Company, of Jonestown, Pennsylvania | Jonestown, PA | $1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Magyar Bank | New Brunswick, NJ | $1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Olympia Federal Savings and Loan Association | Olympia, WA | $1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| OneLocal Bank | Norwood, MA | $1.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Presidential Bank, FSB | Bethesda, MD | $1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| R Bank | Round Rock, TX | $1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| River Bank | Stoddard, WI | $1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Security Financial Bank | Durand, WI | $1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Superior National Bank | Hancock, MI | $1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The Port Washington State Bank | Port Washington, WI | $1B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Walden Savings Bank | Montgomery, NY | $1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 17 publish this fee(monthly maintenance)
8 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $5.16 among 17 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 29, 2026.
Monthly maintenance fee in dollars, one mark per institution
Bank of the James does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 29, 2026. Total assets from FDIC and NCUA records.
Call reports for Bank of the James (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $163K | −$10K | −5.8% |
| Q1 2026 | $173K | +$7K | +4.2% |
| Q4 2025 | $166K | −$1K | −0.6% |
| Q3 2025 | $167K | +$9K | +5.7% |
| Q2 2025 | $158K | −$4K | −2.5% |
| Q1 2025 | $162K | $0 | 0.0% |
| Q4 2024 | $162K | −$14K | −8.0% |
| Q3 2024 | $176K | +$22K | +14.3% |
Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, Bank of the James left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Bank of the James by share.
Amounts from Bank of the James’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per transaction
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Dormant Account Service Fee | $7Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account Research Fee (per hour) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
ATM & Card | |||
| Replacement card fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Electronically submitted Outgoing Domestic Wire Transfer | $70Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Outgoing Domestic Wire Transfer | $30Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Incoming Wires | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Electronically submitted Outgoing Foreign Wire Transfer | $100Above the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| Outgoing Foreign Wire Transfer | $60Above the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier’s Checks: Customer Checks | $10Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payment on Check or ACH | $35Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Counter Checks (per page of four) | $5Above the U.S. middle 50% ($1 to $4 nationally) | per item | None |
Digital & Electronic | |||
| Electronically submitted ACH same day - per transaction fee | $40Above the U.S. middle 50% ($5 to $15 nationally) | per transaction | None |
Cash & Deposit | |||
| Returned Deposited (Or Cashed) Item | $10Inside the U.S. middle 50% ($8.88 to $25 nationally) | Not stated | None |
Account Services | |||
| Safe Deposit Box – both keys lost | $150Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box – lost key (1) | $75Not compared: Box drilling or key fee | Not stated | None |
| Legal process fee | $125Inside the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
Other Fees | |||
| Fax Fee | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Oct 15, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Bank of the James operates, and what regulators and customers have on file.
Branch footprint
22 offices in 1 state, $938.1M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 13 | $791.9M | |
| 4 | $52.0M | |
| 1 | $49.1M | |
| 3 | $23.8M | |
| Outside a metro area | 1 | $21.4M |
Lynchburg, VA
12.8% of bank deposits, #3 of 17, up 1.3 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Truist Bank | 20.5% |
| Wells Fargo Bank, National Association | 17.3% |
| First National Bank | 11.6% |
| Atlantic Union Bank | 6.4% |
| Select Bank | 6.1% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Lynchburg, VA, Bank of the James holds 12.8% of bank deposits, #3 of 17, with 13 offices.
95 offices of 26 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
8 of 17 institutions shown. $6.2B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 12.8% share, 13 offices, #3 of 17
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
21 offices of 9 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Holding company
BANK OF THE JAMES FINANCIAL GROUP INC (Nasdaq: BOTJ)
Consolidated assets
$1.0B
Shareholders' equity
$83.2M
As of
2026Q2
Net income by quarter
Source: SEC EDGAR filings and XBRL financial data, CIK 1275101. Holding-company figures include every subsidiary and are not comparable to the bank-level call reports above.
Fee change alerts
We check once a day and send one email covering every change.