Listed locations
21
Institution profile
Bank of the James
Identity verified through FDIC; additional sources pendingVerification describes the US Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology
Public-record data only. Not a recommendation, lender endorsement, or rate comparison. Verify current licensing, product availability, and terms independently.
FDIC BankFind baseline
FDIC-reported identity and institutional fields from the public BankFind record. These values are not described as current or real-time.
- Legal name
- Bank of the James
- Display name
- Bank of the James
- Institution status
- Active
- FDIC insured
- Yes
- FDIC insured since
- July 22, 1999
- Established date
- July 22, 1999
- Charter class
- State-chartered commercial bank, member of the Federal Reserve System (FRS)
- Primary federal regulator
- Federal Reserve Board
- Headquarters
- Lynchburg, VA, 24504, United States
- FDIC certificate number
- 35207
- Federal Reserve RSSD ID
- 2787770
- Domestic location count
- 22
- Source observed
- August 5, 2026
Regulatory profile
Public FFIEC NIC and CRA records for this institution, presented as source-backed regulatory context rather than a score or recommendation.
Regulatory identity
- Institution status
- ACTIVE
- Primary federal regulator
- FRS
- Institution type
- State Member Bank
- Primary activity
- NAICS 52211
- FDIC certificate
- 35207
- Federal Reserve RSSD ID
- 2787770
- Headquarters
- 828 Main Street, Lynchburg, VA, 24504, United States
- Primary deposit insurer
- Deposit Insurance Fund (DIF)
- Source observed
- August 19, 2026
Branch network
Showing 1 through 21 of 21 listed locations
Scroll sideways to see every branch column.
| Branch | Address | City | State | Postal code |
|---|---|---|---|---|
| ALTAVISTA BRANCH | 1110 Main Street | Altavista | VA | 24517 |
| AMHERST BRANCH | 164 South Main Street | Amherst | VA | 24521 |
| APPOMATTOX BRANCH | 1745 Confederate Blvd | Appomattox | VA | 24522 |
| BEDFORD BRANCH | 1405 Old Dominion Boulevard | Bedford | VA | 24523 |
| BUCHANAN BRANCH | 19792 Main ST | Buchanan | VA | 24066 |
| CHARLOTTESVILLE - 5TH STREET STATION BRANCH | 225 Merchant Walk Ave | Charlottesville | VA | 22902-6512 |
| CHARLOTTESVILLE WATER ST BRANCH | 550 Water Street | Charlottesville | VA | 22902 |
| WC CHARLOTTESVILLE BRANCH | 250 Pantops Mountain RD | Charlottesville | VA | 22911 |
| FOREST BRANCH | 17000 Forest Road | Forest | VA | 24551 |
| HARRISONBURG HIGHT STREET BRANCH | 1391 South High Street | Harrisonburg | VA | 22801 |
| LEXINGTON SOUTH MAIN BRANCH | 45 South Main ST | Lexington | VA | 24450-2522 |
| BOONSBORO BRANCH | 4935 Boonsboro Road Suite C | Lynchburg | VA | 24503 |
| CHESTNUT HILL OFFICE BRANCH | 5204 Fort Avenue | Lynchburg | VA | 24502 |
| PEAKLAND BRANCH | 4105 Boonsboro RD | Lynchburg | VA | 24503 |
| TIMBERLAKE BRANCH | 20795 Timberlake RD | Lynchburg | VA | 24502 |
| WESTMINSTER CANTERBURY BRANCH | 501 Ves Road | Lynchburg | VA | 24503 |
| AMHERST HIGHWAY BRANCH | 4698 South Amherst Highway | Madison Heights | VA | 24572 |
| NELLYSFORD BRANCH | 2935 Rockfish Valley Highway | Nellysford | VA | 22958 |
| ROANOKE ELECTRIC RD BRANCH | 3562 Electric RD | Roanoke | VA | 24018 |
| ROANOKE OAK GROVE BRANCH | 2101 Electric RD | Roanoke | VA | 24018 |
| RUSTBURG BRANCH | 13 Village Highway | Rustburg | VA | 24588 |
Community Reinvestment Act (CRA)
Latest available CRA evaluation
- Rating
- Satisfactory
- Exam date
- May 27, 2025
- Regulator
- Federal Reserve
- Examination method
- Intermediate Small Bank
This information reflects Community Reinvestment Act examination ratings reported by the cited official source. It is not a US Mortgage Index rating, recommendation, or assessment of the institution.
CRA evaluations are examination results from the relevant regulatory process and should be interpreted in the context of the examination date and source.
Historical CRA evaluations
Scroll sideways to see every CRA examination column.
| Exam date | CRA rating | Regulator | Examination method |
|---|---|---|---|
| May 27, 2025 | Satisfactory | Federal Reserve | Intermediate Small Bank |
| May 17, 2021 | Satisfactory | Federal Reserve | Intermediate Small Bank |
| May 21, 2018 | Satisfactory | Federal Reserve | Intermediate Small Bank |
| April 6, 2015 | Satisfactory | Federal Reserve | Intermediate Small Bank |
| May 7, 2012 | Satisfactory | Federal Reserve | Intermediate Small Bank |
| July 21, 2008 | Satisfactory | Federal Reserve | Small Bank |
| July 19, 2004 | Satisfactory | Federal Reserve | Small Bank |
| July 17, 2000 | Satisfactory | Federal Reserve | Small Bank |
FFIEC-reported organizational relationships
2 FFIEC NIC relationship records
Showing 1 through 2 of 2 relationship records
| Relationship | Institution | Type | Location |
|---|---|---|---|
| Direct relationship | BOTJ INSURANCE INC | Domestic Entity Other | Lynchburg, VA |
| ROOT_INSTITUTION | BANK OF THE JAMES | State Member Bank | Lynchburg, VA |
These relationships reflect the FFIEC NIC source display and should not be interpreted as a complete legal ownership analysis.
FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.
Additional profile fields
Fields below supplement the primary source baseline and are shown only when present on the public profile.
- Entity type
- FDIC-insured state-chartered member bank