- Bank of the James reported **record quarterly earnings** for the third quarter of 2025, with **earnings per share of $0.61**.  **[1275101_0001275101-25-000003_botj-20251028xex99_1.htm:0]** **[1275101_0001275101-25-000003_botj-20251028xex99_1.htm:1]** 
- **Net interest income increased by 10.5% to $8.30 million** in Q3 2025, and the **net interest margin expanded to 3.44%**.  **[1275101_0001275101-25-000003_botj-20251028xex99_1.htm:1]** 
- **Interest expense decreased** in Q3 2025, partly due to the extinguishment of approximately **$10 million in capital notes** in the second quarter of 2025.  **[1275101_0001275101-25-000003_botj-20251028xex99_1.htm:1]** **[1275101_0001275101-25-000003_botj-20251028xex99_1.htm:3]** 
- **Loans, net of allowance for credit losses, grew to $653.29 million** at September 30, 2025, and **total assets reached $1.02 billion**.  **[1275101_0001275101-25-000003_botj-20251028xex99_1.htm:1]** **[1275101_0001275101-25-000003_botj-20251028xex99_1.htm:5]** 
- The company maintained **strong asset quality**, with a nonperforming loans to total loans ratio of **0.29%** at September 30, 2025.  **[1275101_0001275101-25-000003_botj-20251028xex99_1.htm:1]** **[1275101_0001275101-25-000003_botj-20251028xex99_1.htm:6]**

BANK OF THE JAMES FINANCIAL GROUP (BOTJ)