Bank of the James Financial Group - Asset Resilience Ratio
Bank of the James Financial Group (BOTJ) has an Asset Resilience Ratio of 23.06% as of March 2026. 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. See working capital to net assets of Bank of the James Financial Group to evaluate short-term liquidity relative to the company's equity base.
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. For the complete balance sheet picture, see BOTJ current and non-current assets.
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. Explore how much of Bank of the James Financial Group's assets are long-term investments to see how much of total assets are deployed in long-term investments.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $244.70 Million | 23.06% |
| Total Liquid Assets | $244.70 Million | 23.06% |
Asset Resilience Insights
- Good Liquidity Position: Bank of the James Financial Group maintains a healthy 23.06% of assets in liquid form.
- This level provides good financial flexibility while maintaining productive asset deployment.
- 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 |
|---|---|---|
|
Itaú Unibanco Holding S.A
F:BVXB |
Banks - Regional | 4.32% |
|
Regions Financial Corporation
NYSE:RF |
Banks - Regional | 20.25% |
|
Bank Rakyat Indonesia Agroniaga
JK:AGRO |
Banks - Regional | 8.38% |
|
Moens Bank A/S
CO:MNBA |
Banks - Regional | 11.65% |
|
RMB Holdings Ltd
JSE:RMH |
Banks - Regional | 27.52% |
|
Banco Bradesco DRC
BA:BBD |
Banks - Regional | 4.82% |
|
Grupo Financiero Galicia S.A.
BA:GGAL |
Banks - Regional | 8.18% |
|
Banco Macro SA B
BA:BMA |
Banks - Regional | 0.55% |
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 three segments: Community Banking, Mortgage Banking, and Investment Advisory (Wealth Management). … Read more