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Bank of the James Financial Group BOTJ Tier 1 Leverage Well-Capitalized Requirement

Tier 1 Leverage Well-Capitalized Requirement at other companies

Bank of the James Financial Group logo
Bank of the James Financial GroupBOTJ
$51.79M+2.5%
Tompkins Financial logo
Tompkins FinancialTMP
$416.51M+4.6%
MainStreet Bancshares, Inc. logo
MainStreet Bancshares, Inc.MNSB
$108.08M-5.7%
Amalgamated Financial Corp. logo
Amalgamated Financial Corp.AMAL
$431.39M+3.3%
Pathfinder Bancorp logo
Pathfinder BancorpPBHC
$71.16M+37.4%
Eagle Bancorp Montana logo
Eagle Bancorp MontanaEBMT
$104.79M0.0%

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:TierOneLeverageCapitalRequiredToBeWellCapitalized.

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 well-capitalized requirement?
Bank of the James Financial Group (BOTJ) reported tier 1 leverage well-capitalized requirement of $51.79M in Q4 2025.
How has Bank of the James Financial Group's tier 1 leverage well-capitalized requirement changed year-over-year?
Bank of the James Financial Group's tier 1 leverage well-capitalized requirement increased by 2.5% year-over-year, from $50.53M to $51.79M.
What is the long-term trend for Bank of the James Financial Group's tier 1 leverage well-capitalized requirement?
Over 5 years (2020 to 2025), Bank of the James Financial Group's tier 1 leverage well-capitalized requirement has grown at a 3.9% compound annual growth rate (CAGR), from $42.68M to $51.79M.
What does tier 1 leverage well-capitalized requirement mean?
This defines the minimum Tier 1 leverage capital threshold necessary to achieve a well-capitalized regulatory status. It serves as a key indicator of the bank's capital strength relative to its total asset base, excluding risk-weighting adjustments.