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BANK OF THE JAMES FINANCIAL GROUP INC

For the period ended Sep 30, 2025. Filed Nov 14, 2025.

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About this filing

A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.

Sep 30, 2025 · Filed Nov 14, 2025

BOTJ$24.79+1.4%Stored close · as of Nov 9, 2026

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Item 1A. Risk Factors

ors

For information regarding the Company’srisk factors, see Part I, Item 1A “Risk Factors” in the Company’s Annual Report on Form 10-K for the year ended December 31, 2024, filed with the Securities and Exchange Commission on March 26, 2025. There have been no material changes to therisk factors as previously disclosed in Part I, Item 1A of the Company’s Form 10-K for the year ended December 31, 2024.

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The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.