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. Explore BOTJ long-term asset investment ratio to see how much of total assets are deployed in long-term investments.
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 days of operational coverage to measure how many days the company can operate on defensive assets alone.
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 the complete balance sheet picture, see how large is Bank of the James Financial Group's balance sheet.
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 |
|---|---|---|
|
Bank Leumi Le-Israel B.M
TA:LUMI |
Banks - Regional | 1.75% |
|
Grupo Financiero Inbursa S.A.B. de C.V
MX:GFINBURO |
Banks - Regional | 2.07% |
|
Bangkok Bank PCL
BK:BBL |
Banks - Regional | 21.97% |
|
INTERCORP FIN.SERV. O.N.
F:9IFA |
Banks - Regional | 22.42% |
|
Renasant Corporation
NYSE:RNST |
Banks - Regional | 0.04% |
|
Bank of Guiyang Co Ltd
SHG:601997 |
Banks - Regional | -0.78% |
|
Banco del Bajío S.A. Institución de Banca Múltiple
MX:BBAJIOO |
Banks - Regional | 2.94% |
|
Punjab & Sind Bank
NSE:PSB |
Banks - Regional | -9.96% |
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