Bank of the James Q4 net income rises
Overview
Virginia-based bank's Q4 net income rose, driven by higher net interest income
Company's total assets grew 6.1% yr/yr, surpassing $1 bln
Efficiency ratio improved to 70.81% in Q4, reflecting cost management
Outlook
Bank of the James did not provide specific financial guidance for 2026
Result Drivers
NET INTEREST INCOME - Increased 11.1% in Q4 2025, driven by higher rates on variable-rate loans and new loan originations
INTEREST EXPENSE REDUCTION - Decreased 12.1% in Q4 2025 due to lower deposit costs and retirement of capital notes
NONINTEREST EXPENSES - Declined 4.2% in Q4 2025 due to reduced data processing costs and lower professional fees
Key Details
Metric | Beat/Miss | Actual | Consensus Estimate |
Q4 Net Income |
| $2.72 mln |
|
Q4 Net Interest Income |
| $8.54 mln |
|
Q4 Basic EPS |
| $0.60 |
|
Q4 Net Interest Margin |
| 3.44% |
|
Q4 Pretax Profit |
| $3.49 mln |
|
Press Release: ID:nGNX1nmPVG
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