Bank of the James Financial Group is a community bank holding company headquartered in Lynchburg, Virginia. Its primary subsidiary, Bank of the James, provides retail and commercial banking to individuals, small businesses, and mid-sized businesses across central Virginia. The Bank operates 19 full-service branches and two limited-service offices, primarily serving the Lynchburg-area "Region 2000" market, with additional presence in Charlottesville, Roanoke, Harrisonburg, and surrounding communities. Core products include commercial business loans, commercial real estate mortgages, residential mortgages, construction loans, and a full suite of deposit accounts. Like most community banks, Bank of the James earns primarily through net interest income — the spread between rates earned on loans and investments and rates paid on deposits. Profitability is driven by loan volume and mix, deposit cost management, and credit quality, with a focus on locally-underwritten commercial lending to small and mid-sized businesses. Beyond core banking, the company operates a wealth management business, Pettyjohn, Wood & White, an SEC-registered investment adviser with roughly $1.03B in assets under management, whose advisory fees account for about 11% of total revenue and provide some diversification from interest rate sensitivity. Bank of the James Mortgage originates conforming and non-conforming residential mortgages, closing loans in its own name before selling them to investors. Ancillary businesses include securities brokerage and insurance through BOTJ Investment and BOTJ Insurance.