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Bank of the James

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Bank of the James Rates & Review September 2026

Q: How many branches does Bank of the James operate?

Bank of the James currently maintains approximately 22 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Bank of the James does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Bank of the James provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 23, 2026

Bank of the James rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.85%, 6-month CD rates at 2.75% and 3-month CD rates at 2.56%. Savings rates are at 0.89% and money market rates are at 1.22%. Mortgage rates on 30-year fixed loans are around 7.01%. These rates come from our rate database, not Bank of the James, and you can see how they compare in the Bank of the James rate tables below. MonitorBankRates evaluates the financial stability of Bank of the James with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.34%. Database rates last updated and verified on 09/23/2026.

Bank of the James money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Bank of the James? Share your experience about Bank of the James by leaving a review below, or read customer reviews before you decide to use Bank of the James.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.34%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Bank of the James

828 Main St
Lynchburg, VA 24504

https://www.bankofthejames.bank

Current Rate Availability

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Financial Health History

Bank of the James’s Texas Ratio stayed near 1.00% in Q3 2023 to 1.34% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 4.2 to 5.0 and its Health Grade from A- to A+. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.0B	1.34%	5.0	A+
March 31, 2026	$1.1B	1.82%	5.0	A+
December 31, 2025	$1.0B	2.17%	5.0	A+
September 30, 2025	$1.0B	2.53%	5.0	A+
June 30, 2025	$1.0B	2.65%	5.0	A+
March 31, 2025	$1.0B	2.52%	5.0	A+
December 31, 2024	$970M	2.42%	5.0	A+
September 30, 2024	$998M	1.70%	5.0	A+
June 30, 2024	$968M	1.16%	5.0	A+
March 31, 2024	$975M	0.81%	5.0	A+
December 31, 2023	$960M	0.57%	5.0	A+
September 30, 2023	$952M	1.00%	4.2	A-

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Bank of the James is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Bank of the James rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Bank of the James's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Bank of the James

Bank Holding Company BK JAMES FINL GROUP INC

Address 828 Main St, Lynchburg, VA 24504 · Lynchburg City

Website https://www.bankofthejames.bank

FDIC Certificate # 35207

Established 19990722

FDIC Insurance Date 19990722

Domestic Offices 22

Total Branches 22

Regulator FED

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

1.34%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.0059%

Return on Equity (ROE) 13.0800%

Non-Performing Loans (NPL) 0.11%

Total Assets $1,033,600,000

Total Deposits $938,136,000

Equity Capital $81,640,000

Net Income $5,228,000

Headquarters Lynchburg

Total Branches and Offices 22

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Bank of the James earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
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       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Bank of the James

How many branches does Bank of the James operate?

Bank of the James currently maintains approximately 22 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Bank of the James does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Bank of the James provides members with tools to manage their accounts and build a solid financial history.

Does Bank of the James offer online and mobile banking?

Most modern institutions like Bank of the James provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.bankofthejames.bank.