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BANK OF THE JAMES FINANCIAL GROUP INC

For the period ended Mar 31, 2026. Filed May 12, 2026.

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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.

Mar 31, 2026 · Filed May 12, 2026

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

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

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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 Operations37
Item 3. Quantitative and Qualitative Disclosures About Market Risk54
Item 4. Controls and Procedures54
PART II – OTHER INFORMATION
Item 1. Legal Proceedings54
Item 1A. Risk Factors54
Item 2. Unregistered Sales of Equity Securities, Use of Proceeds, and Issuer Purchases of Equity Securities54
Item 3. Defaults Upon Senior Securities54
Item 4. Mine Safety Disclosures54
Item 5. Other Information55
Item 6. Exhibits55
SIGNATURES56

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.