Bank Of The James is a bank based in Lynchburg, Virginia, established in 1999, with $1.1 billion in total assets across 22 branches. By Trust Grade it ranks 54th of 56 banks we track in Virginia. Its capital ratio of 7.6% trails most similarly sized banks (6th percentile), versus a Virginia median of 10.8%. It was profitable over the most recent period, with a 0.91% return on assets. No consumer complaints against Bank Of The James appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Bank Of The James compares to Virginia peers
How we graded Bank Of The James
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (7.6% capital ratio)
- Profitable (ROA 0.91%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Bank Of The James over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (22)
- 5204 Fort Ave, Lynchburg, VA 24502
- 4698 S Amherst Hwy, Madison Heights, VA 24572
- 17000 Forest Rd, Forest, VA 24551
- 4935 Boonsboro Rd, Lynchburg, VA 24503
- 164 S Main St, Amherst, VA 24521
- 1405 Old Dominion Blvd, Bedford, VA 24523
- 1110 Main St, Altavista, VA 24517
- 501 Ves Rd, Lynchburg, VA 24503
- 1391 S High St, Harrisonburg, VA 22801
- 250 Pantops Mountain Rd, Charlottesville, VA 22911
- 1745 Confederate Blvd, Appomattox, VA 24522
- 3562 Electric Rd, Roanoke, VA 24018
- 225 Merchant Walk Ave, Charlottesville, VA 22902
- 45 S Main St, Lexington, VA 24450
- 550 E Water St, Charlottesville, VA 22902
- 2101 Electric Rd, Roanoke, VA 24018
- 13 Village Hwy, Rustburg, VA 24588
- 4105 Boonsboro Rd, Lynchburg, VA 24503
- 19792 Main St, Buchanan, VA 24066
- 2935 Rockfish Valley Hwy, Nellysford, VA 22958
- 20795 Timberlake Rd, Lynchburg, VA 24502
- 828 Main St, Lynchburg, VA 24504
Are deposits at Bank Of The James insured?
Yes. Bank Of The James is an FDIC-insured bank (FDIC certificate #35207). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Bank Of The James: frequently asked questions
Is Bank Of The James a good bank?
Bank Of The James earns a Bankzia Trust Grade of B (88/100, "Strong"), based on a financial-strength score of 88/100 (it has no CFPB complaints on record). Well-capitalized (7.6% capital ratio); Profitable (ROA 0.91%).
Is Bank Of The James FDIC-insured?
Yes. Bank Of The James is a FDIC-insured bank (FDIC certificate #35207). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Bank Of The James?
Bank Of The James holds $1.1 billion in total assets, ranking 54th of 56 banks we track in Virginia. It operates 22 branches.
Does Bank Of The James have CFPB complaints?
No CFPB complaints against Bank Of The James appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
