Risk factors

Bank of the James Financial Group (BOTJ) risk factors

Item 1A of every Bank of the James Financial Group Inc. 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.

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  • FY2025 10-K risk factors
    47 risks14 new17 dropped27 reworded

    The bank added specific risks regarding cybersecurity, digital deposit competition, and internal controls.

    Filed Mar 27, 2026
  • FY2024 10-K risk factors
    50 risks

    Local economic conditions in Virginia and commercial real estate loan concentrations drive the majority of our operational risks.

    Filed Mar 26, 2025