BOTJ

Bank of the James Financial Group, Inc. is a bank holding company headquartered in Lynchburg, Virginia, operating through its wholly owned subsidiary Bank of the James. The bank provides comprehensive commercial and personal banking services to businesses, professionals, and individuals in Central and Southwest Virginia. Founded in 1998, Bank of the James has established a community banking franchise serving the Lynchburg metropolitan area and surrounding markets with relationship-based banking, local decision-making, and personalized service. Bank of the James offers a full range of banking products including commercial real estate and business loans, construction financing, SBA lending, business lines of credit, residential mortgages, consumer loans, and deposit products including checking, savings, money market accounts, and certificates of deposit. The loan portfolio reflects the bank's commercial banking focus with significant concentrations in commercial real estate, business loans, and construction lending throughout Central Virginia markets. The bank also provides treasury management services including remote deposit capture, ACH origination, merchant services, and online/mobile banking. The bank serves Central and Southwest Virginia markets including the Lynchburg MSA and surrounding communities characterized by diversified economies including education (Liberty University and others), healthcare, manufacturing, and various service industries. Bank of the James differentiates through local ownership, experienced bankers with deep community ties, responsive decision-making with local lending authority, and personalized relationship banking. The bank has maintained an independent community bank structure focused on serving local businesses and residents rather than pursuing acquisitions or geographic expansion. Bank of the James competes against larger regional banks, national banks with branch presence, and other community banks. Success depends on generating profitable loan and deposit growth, maintaining strong asset quality, managing interest rate risk, controlling expenses, and competing effectively through service quality and community relationships. The bank pursues organic growth strategies, deepening customer relationships, expanding product penetration, and maintaining the community bank focus and values that have defined the institution since its founding.