Bank Of The James (BOTJ) Q2 EPS Up 28%
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Aug 04 2025
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Source: NASDAQ.COM
Earnings Growth: Bank Of The James Financial Group reported a 27.7% increase in earnings per share (GAAP) to $0.60 and a net income rise to $2.70 million in Q2 2025, aided by a one-time loan loss recovery, despite overall year-to-date net income lagging behind the previous year by 18.2%.
Operational Performance: The bank's net interest margin improved to 3.45%, reflecting effective loan pricing and cost management, while noninterest expenses rose by 8.2%, indicating ongoing challenges in expense management amidst stable deposit growth and a focus on community banking services.
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About BOTJ
Bank of the James (the Bank) is a full-service commercial and retail bank. The Bank is a wholly owned subsidiary of Bank of the James Financial Group, Inc. The Bank provides mortgage loan origination through Bank of the James Mortgage, a division of Bank of the James. The Bank offers full investment and insurance services through its BOTJ Investment Services division and BOTJ Insurance, Inc. subsidiary. The Bank offers a full range of short- to medium-term commercial and consumer loans. The Bank services customers in Virginia from offices located in Altavista, Amherst, Appomattox, Bedford, Blacksburg, Buchanan, Charlottesville, Forest, Harrisonburg, Lexington, Lynchburg, Madison Heights, Nellysford, Roanoke, Rustburg, and Wytheville.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Bank of the James Founder J. Todd Scruggs Retires, Leaving Lasting Impact
- Founder Retirement: J. Todd Scruggs, one of the founders of Bank of the James, retired on January 5, 2026, concluding 25 years of service on the boards and executive roles, marking a significant leadership transition for the company.
- Asset Growth: During his tenure, Scruggs played a pivotal role in growing the bank from an initial capital of $10 million to over $1 billion in assets, demonstrating his critical influence on the company's financial strategy.
- Leadership Transition: Scruggs' retirement will impact the company's financial management; however, he ensured a seamless transition of CFO responsibilities, indicating a need for the future leadership to adapt to this change.
- Community Contribution: Scruggs has shown a deep commitment to the community by expanding the bank's presence to over 20 locations in Virginia, and the future leadership team must continue to uphold this mission.
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Bank of the James Founder J. Todd Scruggs Retires After Over 25 Years of Service
- Founder Retirement: J. Todd Scruggs, one of the founders of Bank of the James, retired on January 5, 2026, concluding over 25 years of service on the boards and in executive roles, marking a significant leadership transition for the company.
- Asset Growth: Under Scruggs' leadership, Bank of the James grew from an initial capital of $10 million in 1998 to over $1 billion in assets today, demonstrating its successful expansion in the regional banking sector.
- Leadership Transition: Scruggs' retirement will impact the company's financial strategy; however, he ensured a seamless transition of CFO responsibilities, allowing the bank to retain his financial discipline and leadership wisdom for future growth.
- Community Contribution: Scruggs played a crucial role in fostering the bank's relationship with the community, with the CEO emphasizing that his impact on the community cannot be overstated, highlighting his importance to the organization's mission.
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