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Bank of the James Financial Group BOTJ Tier 1 Leverage Adequacy Requirement

Tier 1 Leverage Adequacy Requirement at other companies

Amalgamated Financial Corp. logo
Amalgamated Financial Corp.AMAL
$345.11M+3.3%
MainStreet Bancshares, Inc. logo
MainStreet Bancshares, Inc.MNSB
$86.47M-5.7%
Bank of the James Financial Group logo
Bank of the James Financial GroupBOTJ
$40.44M0.0%
Eagle Bancorp Montana logo
Eagle Bancorp MontanaEBMT
$83.83M0.0%
Banner Corporation logo
Banner CorporationBANR
$652.14M+2.4%
Pathfinder Bancorp logo
Pathfinder BancorpPBHC
$56.93M+37.4%

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 us-gaap:TierOneLeverageCapitalRequiredForCapitalAdequacy.

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 tier 1 leverage adequacy requirement?
Bank of the James Financial Group (BOTJ) reported tier 1 leverage adequacy requirement of $40.44M in Q4 2025.
How has Bank of the James Financial Group's tier 1 leverage adequacy requirement changed year-over-year?
Bank of the James Financial Group's tier 1 leverage adequacy requirement increased by 0.0% year-over-year, from $40.42M to $40.44M.
What is the long-term trend for Bank of the James Financial Group's tier 1 leverage adequacy requirement?
Over 5 years (2020 to 2025), Bank of the James Financial Group's tier 1 leverage adequacy requirement has grown at a 3.4% compound annual growth rate (CAGR), from $34.14M to $40.44M.
What does tier 1 leverage adequacy requirement mean?
This metric represents the minimum Tier 1 leverage capital required to satisfy regulatory capital adequacy standards, independent of risk-weighted assets. It provides a non-risk-based backstop to ensure the institution maintains sufficient capital relative to its total exposure.