Bank of the James Q2 FY26 net income rises 19.8% to $3.24 million; net interest margin widens 26 basis points to 3.71%

• Bank of the James posted net income of $3.24 million, up 19.8% year over year, with EPS of $0.71.
• Net interest income rose 12.17% to $9.25 million, lifting net interest margin 26 basis points to 3.71%.
• Provision for credit losses was $350,000, versus a recovery of $528,000 a year earlier.
• Noninterest income increased 9.84% to $4.48 million on higher wealth management fees; noninterest expense fell 1.52% to $9.31 million.
• Total loans climbed 3.7% from Dec. 31 to $692.68 million, while deposits slipped 0.2% to $935.18 million.

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 EDGAR, the Electronic Data Gathering, Analysis, and Retrieval system operated by the U.S. Securities and Exchange Commission (Ref. ID: 0001275101-26-000025), on August 12, 2026, and is solely responsible for the information contained therein.