Bank of the James Q2 FY26 net income rises 19.82% to $3.24 million

• Bank of the James posted Q2 net income of $3.24 million, up 19.82% year over year; EPS rose to $0.71.
• Net interest income after provision for credit losses edged up 1.4% to $8.9 million; tax-equivalent net interest margin widened 0.26 percentage points to 3.71%.
• Noninterest income climbed 9.84% to $4.48 million; noninterest expense slipped 1.52% to $9.31 million, pushing the efficiency ratio down to 67.82% from 76.71%.
• Loans, net of the allowance for credit losses, were $686.08 million at June 30; nonperforming loans fell to $1.09 million from $1.7 million at Dec. 31.
• Board declared a quarterly dividend of $0.10 a share, payable Sept. 4 to holders of record Aug. 21.

Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. Bank Of The James Financial Group Inc. published the original content used to generate this news brief via GlobeNewswire (Ref. ID: 202607301600PRIMZONEFULLFEED9801170) on July 30, 2026, and is solely responsible for the information contained therein.