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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

Extracted filing text, with the paragraph anchors used by the comparison.

See the whole filing, with its images and exhibits

Table of Contents

OF CONTENTS

PART I – FINANCIAL INFORMATION
Item 1. Consolidated Financial Statements1
Item 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations38
Item 3. Quantitative and Qualitative Disclosures About Market Risk55
Item 4. Controls and Procedures55
PART II – OTHER INFORMATION
Item 1. Legal Proceedings55
Item 1A. Risk Factors55
Item 2. Unregistered Sales of Equity Securities, Use of Proceeds, and Issuer Purchases of Equity Securities56
Item 3. Defaults Upon Senior Securities56
Item 4. Mine Safety Disclosures56
Item 5. Other Information56
Item 6. Exhibits56
SIGNATURES57

PART I – FINANCIAL INFORMAT

ContentsView on SEC.gov

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