Total Assets
$1.0B
Total Deposits
$938.1M
Branches
22
Established
1999
Bank of the James is a bank headquartered in Lynchburg, Virginia, established in 1999. It holds $1.0B in total assets across 22 branch locations. In our editorial opinion, based on public FDIC/NCUA data, Bank of the James earns a TFS Financial Health Grade of B- (76.6/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
76.6 / 100
Good financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
Watching Bank of the James?
Get a free alert the moment its TFS financial-health grade changes. No spam, ever.
Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| Bank of the JamesHQ | 828 Main St | Lynchburg | VA | 11 |
| Bank of the James | 1110 Main St | Altavista | VA | 11 |
| Bank of the James | 164 S Main St | Amherst | VA | 11 |
| Bank of the James | 1745 Confederate Blvd | Appomattox | VA | 11 |
| Bank of the James | 1405 Old Dominion Blvd | Bedford | VA | 11 |
| Bank of the James | 19792 Main St | Buchanan | VA | 11 |
| Bank of the James | 550 E Water St | Charlottesville | VA | 11 |
| Bank of the James | 225 Merchant Walk Ave | Charlottesville | VA | 11 |
| Bank of the James | 250 Pantops Mountain Rd | Charlottesville | VA | 12 |
| Bank of the James | 17000 Forest Rd | Forest | VA | 11 |
| Bank of the James | 1391 S High St | Harrisonburg | VA | 11 |
| Bank of the James | 45 S Main St | Lexington | VA | 11 |
| Bank of the James | 20795 Timberlake Rd | Lynchburg | VA | 11 |
| Bank of the James | 501 Ves Rd | Lynchburg | VA | 29 |
| Bank of the James | 5204 Fort Ave | Lynchburg | VA | 11 |
| Bank of the James | 4105 Boonsboro Rd | Lynchburg | VA | 11 |
| Bank of the James | 4935 Boonsboro Rd | Lynchburg | VA | 11 |
| Bank of the James | 4698 S Amherst Hwy | Madison Heights | VA | 11 |
| Bank of the James | 2935 Rockfish Valley Hwy | Nellysford | VA | 11 |
| Bank of the James | 3562 Electric Rd | Roanoke | VA | 12 |
| Bank of the James | 2101 Electric Rd | Roanoke | VA | 11 |
| Bank of the James | 13 Village Hwy | Rustburg | VA | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
76.6
Tier 1 capital ratio
9.38%
Return on assets
1.01%
Non-performing loans
0.16%
Efficiency ratio
72.05%
Asset growth (YoY)
3.35%
Suggested direct comparisons
Mclean, VA
$662.2B
$942.5M
Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.