Overview

* Bank of the James ( BOTJ ) Q2 net income rises 26% yr/yr to $2.70 mln

* Net interest income for Q2 2025 increases 16% from a year earlier

* Net interest margin improves to 3.45%, highest in several quarters

Outlook

* Company expects continued positive financial performance in second half of 2025

* Bank of the James ( BOTJ ) anticipates reduced interest expenses after debt retirement

* Company sees stable asset quality supporting sound margins and earnings

* Bank of the James ( BOTJ ) plans to focus on growing core deposits and managing rates

Result Drivers

* NET INTEREST MARGIN - Improved to 3.45% in Q2 2025, driven by higher loan yields and effective rate management

* COMMERCIAL LENDING - Continued traction in commercial lending contributed to strong earnings, per CEO Robert R. Chapman III

Key Details

Metric Beat/Mis Actual Consensu

s s

Estimate

Q2 Net $2.70

Income mln

Q2 Net $8.25

Interest mln

Income

Q2 Basic $0.6

EPS

Q2 $0.1

Dividend

Q2 Net 3.4%

Interest

Margin

Q2 $3.40

Pretax mln

Profit

Press Release:

(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)