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Bank of the James Financial Group BOTJ Common Equity Tier I Capital To Average Assets Actual Ratio

Common Equity Tier I Capital To Average Assets Actual Ratio at other companies

Pathward Financial, Inc. logo
Pathward Financial, Inc.CASH
12.7%+0.4pp
Camden National logo
Camden NationalCAC
12%+1.2pp
Metropolitan Bank Holding Corp. logo
Metropolitan Bank Holding Corp.MCB
4.5%0.0pp
WSFS Financial logo
WSFS FinancialWSFS
13.9%+0.1pp
Pathfinder Bancorp logo
Pathfinder BancorpPBHC
2.5%0.0pp
Wintrust Financial logo
Wintrust FinancialWTFC
6.5%0.0pp

Other financials

Income statement

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Revenue$12.7M+15.4%
Net income$2.8M+229%
EPS (diluted)$0.61+221%

Balance sheet

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Cash & equivalents$88.0M-7.3%
Total debt$3.3M-14.8%
Total equity$81.3M+18.9%
Total assets$1.1B+4.9%

Cash flow

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Operating cash flow$4.7M+521%
CapEx$382.0K-38.6%
Free cash flow$4.4M+2,990%

Valuation

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Market cap$116.4M+84.6%
P/E10.6×+1.8×
P/S2.3×+0.9×

Profitability

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Net margin21.8%+7.1pp
FCF margin29.2%+11.9pp

Returns & leverage

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Return on equity14.6%+4.4pp
Debt / equity0.0×

Where this comes from

Reported directly by Bank of the James Financial Group in its filing.

Tagged under the XBRL concept botj:CommonEquityTierICapitalToAverageAssetsActualRatio.

The official record: Bank of the James Financial Group’s 10-K, filed March 27, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Bank of the James Financial Group's common equity tier i capital to average assets actual ratio?
Bank of the James Financial Group (BOTJ) reported common equity tier i capital to average assets actual ratio of 11.7% in Q4 2025.
How has Bank of the James Financial Group's common equity tier i capital to average assets actual ratio changed year-over-year?
Bank of the James Financial Group's common equity tier i capital to average assets actual ratio decreased by 1.6% year-over-year, from 11.9% to 11.7%.
What does common equity tier i capital to average assets actual ratio mean?
The ratio of Common Equity Tier 1 (CET1) capital to average total assets, representing the bank's core capital adequacy as a percentage of its asset base. This metric provides a standardized view of the institution's leverage and capital buffer, allowing for comparison across different banks regardless of size. A higher ratio indicates a stronger capital position and lower insolvency risk.