GPGrossPatternRESEARCH SYSTEM
SEC CHECK OPERATIONAL
GROSSPATTERN / FUNDAMENTAL STATE / POINT IN TIME

BOTJ · Jun 30, 2026

BANK OF THE JAMES FINANCIAL GROUP INC. A multidimensional configuration derived from the filing available at this observation—never a composite score or recommendation.

STATE CAPABILITYLEVEL 4[email protected]
Inspectable configuration

State dimensions

Filing0001275101-26-000025Bank
Sequential deposit growth10thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.deposits

-2.23% · CORE · VALID

Net-income growth65thOwn-history percentile · N=20
Evidence method

Yoy · gp.fundamentals.net_income

19.82% · CORE · VALID

Interest-income growth40thOwn-history percentile · N=20
Evidence method

Yoy · gp.financial.interest_income

5.58% · CORE · VALID

Cash and equivalents0thOwn-history percentile · N=20
Evidence method

Level · gp.fundamentals.cash

$35.5M · CORE · VALID

Sequential loan growth100thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.loans

5.69% · CORE · VALID

As-filed lineage

Fundamental state history

Each observation is tied to the filing and facts available at that report date. Amendments remain separate.

History60 statesSelf-history eligible
Period transition

What moved in the state?

Deposit Growth Decreased
Previous
2.07%
Current
-2.23%
Delta
-4.31%
Earnings Growth Decreased
Previous
229.45%
Current
19.82%
Delta
-209.63%
Interest Income Growth Increased
Previous
5.47%
Current
5.58%
Delta
0.10%
Liquidity Decreased
Previous
$88.0M
Current
$35.5M
Delta
-$52.4M
Loan Growth Increased
Previous
-1.85%
Current
5.69%
Delta
7.54%
Self-history only

Previous similar states

Similarity compares compatible valid dimensions from this issuer's own point-in-time history. No market-return claim is attached.

Dec 31, 2013
Similarity
99%
Compared
3 dimensions
Coverage
60%
Liquidity 0.0 · Loan Growth 0.0 · Deposit Growth 1.1
Jun 30, 2025
Similarity
74%
Compared
5 dimensions
Coverage
100%
Liquidity 35.0 · Loan Growth 40.0 · Deposit Growth 20.0 · Earnings Growth 10.0 · Interest Income Growth 5.0
Dec 31, 2024
Similarity
73%
Compared
5 dimensions
Coverage
100%
Liquidity 20.0 · Loan Growth 35.0 · Deposit Growth 5.0 · Earnings Growth 40.0 · Interest Income Growth 20.0
Jun 30, 2022
Similarity
71%
Compared
5 dimensions
Coverage
100%
Liquidity 60.0 · Loan Growth 20.0 · Deposit Growth 10.0 · Earnings Growth 10.0 · Interest Income Growth 5.0
Jun 30, 2024
Similarity
68%
Compared
5 dimensions
Coverage
100%
Liquidity 35.0 · Loan Growth 20.0 · Deposit Growth 5.0 · Earnings Growth 50.0 · Interest Income Growth 30.0
Research Graph

Related governed research

Method Percentiles and historical matches use only observations available at each point in time. Missing dimensions remain missing. Public price outcomes and cross-market analogues are deliberately absent.