Bank of the James Financial Group - Asset Resilience Ratio
Bank of the James Financial Group (BOTJ) has an Asset Resilience Ratio of 5.36% as of December 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing. Read Bank of the James Financial Group total liabilities for a breakdown of total debt and financial obligations.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2004–2025)
This chart shows how Bank of the James Financial Group's Asset Resilience Ratio has changed over time. See BOTJ total equity for net asset value and shareholders' equity analysis.
Liquid Assets Composition Over Time
This chart breaks down Bank of the James Financial Group's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. For market capitalisation and broader financial context, see Bank of the James Financial Group stock valuation.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $55.94 Million | 5.36% |
| Total Liquid Assets | $55.94 Million | 5.36% |
Asset Resilience Insights
- Limited Liquidity: Bank of the James Financial Group maintains only 5.36% of assets in liquid form.
- This low level may indicate efficient asset utilization but could pose risks during economic downturns.
- The company has significant short-term investments, indicating active treasury management.
Bank of the James Financial Group Industry Peers by Asset Resilience Ratio
Compare Bank of the James Financial Group's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Bank of Shanghai Co Ltd
SHG:601229 |
Banks - Regional | -17.10% |
|
Spar Nord Bank
CO:SPNO |
Banks - Regional | -3.96% |
|
Bank of Queensland Ltd
AU:BOQ |
Banks - Regional | 0.21% |
|
Bk Harda Internasional Tbk Pt
JK:BBHI |
Banks - Regional | 2.06% |
|
Bank Ina Perdana PT
JK:BINA |
Banks - Regional | -30.89% |
|
CFM Indosuez Wealth SA
PA:MLCFM |
Banks - Regional | 50.57% |
|
Merkur PrivatBank KgaA
XETRA:MBK |
Banks - Regional | 0.00% |
|
Banco Alfa de Investimento S.A
SA:BRIV3 |
Banks - Regional | 0.53% |
Annual Asset Resilience Ratio for Bank of the James Financial Group (2004–2025)
The table below shows the annual Asset Resilience Ratio data for Bank of the James Financial Group.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-12-31 | 5.38% | $55.94 Million | $1.04 Billion | +3.81pp |
| 2024-12-31 | 1.57% | $15.39 Million | $979.24 Million | -20.76pp |
| 2023-12-31 | 22.34% | $216.51 Million | $969.37 Million | +2.33pp |
| 2022-12-31 | 20.01% | $185.79 Million | $928.57 Million | +3.62pp |
| 2021-12-31 | 16.39% | $161.83 Million | $987.63 Million | +5.79pp |
| 2020-12-31 | 10.59% | $90.19 Million | $851.39 Million | +2.37pp |
| 2019-12-31 | 8.22% | $59.66 Million | $725.39 Million | +0.41pp |
| 2018-12-31 | 7.81% | $52.73 Million | $674.90 Million | -1.02pp |
| 2017-12-31 | 8.83% | $55.31 Million | $626.34 Million | +1.73pp |
| 2016-12-31 | 7.10% | $40.78 Million | $574.20 Million | +0.28pp |
| 2015-12-31 | 6.82% | $36.00 Million | $527.45 Million | +1.53pp |
| 2014-12-31 | 5.29% | $24.39 Million | $460.87 Million | -5.31pp |
| 2013-12-31 | 10.61% | $46.09 Million | $434.51 Million | -0.79pp |
| 2012-12-31 | 11.39% | $50.29 Million | $441.38 Million | +0.09pp |
| 2011-12-31 | 11.31% | $48.34 Million | $427.44 Million | +2.10pp |
| 2010-12-31 | 9.21% | $38.59 Million | $418.93 Million | -1.13pp |
| 2009-12-31 | 10.34% | $45.24 Million | $437.68 Million | +5.43pp |
| 2008-12-31 | 4.91% | $16.14 Million | $328.61 Million | -4.62pp |
| 2007-12-31 | 9.53% | $25.73 Million | $270.06 Million | +1.49pp |
| 2006-12-31 | 8.03% | $18.70 Million | $232.71 Million | -0.35pp |
| 2005-12-31 | 8.38% | $16.42 Million | $195.85 Million | +2.00pp |
| 2004-12-31 | 6.38% | $10.91 Million | $171.03 Million | -- |
About Bank of the James Financial Group
Bank of the James Financial Group, Inc. operates as the bank holding company for Bank of the James that provides general retail and commercial banking services to individuals, businesses, associations and organizations, and governmental authorities in Virginia, the United States. It operates through Community Banking, Mortgage Banking, and Investment Advisory (Wealth Management) segments. The com… Read more