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BANK OF THE JAMES FINANCIAL GROUP INC

For the period ended Jun 30, 2025. Filed Aug 13, 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.

Jun 30, 2025 · Filed Aug 13, 2025

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 Operations40
Item 3. Quantitative and Qualitative Disclosures About Market Risk57
Item 4. Controls and Procedures57
PART II – OTHER INFORMATION
Item 1. Legal Proceedings57
Item 1A. Risk Factors57
Item 2. Unregistered Sales of Equity Securities, Use of Proceeds, and Issuer Purchases of Equity Securities58
Item 3. Defaults Upon Senior Securities58
Item 4. Mine Safety Disclosures58
Item 5. Other Information58
Item 6. Exhibits58
SIGNATURES59

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.