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BANK OF THE JAMES FINANCIAL GROUP INC

For the period ended Mar 31, 2025. Filed May 15, 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.

Mar 31, 2025 · Filed May 15, 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 Operations35
Item 3. Quantitative and Qualitative Disclosures About Market Risk48
Item 4. Controls and Procedures48
PART II – OTHER INFORMATION
Item 1. Legal Proceedings48
Item 1A. Risk Factors48
Item 2. Unregistered Sales of Equity Securities, Use of Proceeds, and Issuer Purchases of Equity Securities48
Item 3. Defaults Upon Senior Securities48
Item 4. Mine Safety Disclosures48
Item 5. Other Information49
Item 6. Exhibits49
SIGNATURES50

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.