Bank of the James Financial Group Net Asset Quality Index
Bank of the James Financial Group net asset quality index. Bank of the James Financial Group (BOTJ) has a Net Asset Quality Index of 7.7% as of March 2026. This metric measures the proportion of total assets financed by shareholders' equity — total assets of $1.06 Billion minus total liabilities of $979.90 Million yields net assets of $81.28 Million. A higher index indicates a stronger, lower-leverage balance sheet. Check Bank of the James Financial Group (BOTJ) cash flow quality to evaluate the quality of earnings relative to operating cash generation.
Quality Index
Net Assets
Total Assets
Total Liabilities
Net Asset Quality Index of Bank of the James Financial Group (2001–2025)
Net asset quality index of Bank of the James Financial Group from 2001 to 2025. This chart shows how Bank of the James Financial Group's Net Asset Quality Index has evolved across 25 annual periods from 2001 to 2025. As of March 2026, the index stands at 7.7%, representing net assets of $81.28 Million against total assets of $1.06 Billion USD. See BOTJ book value for net asset value and shareholders' equity analysis.
Bank of the James Financial Group Net Asset Quality Index by Year (2001–2025)
Bank of the James Financial Group net asset quality index by year from 2001 to 2025. The table below presents the year-by-year Net Asset Quality Index for Bank of the James Financial Group from 2001 to 2025, covering 25 annual filings. Each row shows total assets, total liabilities, net assets, the quality index percentage, and the change in percentage points compared to the prior year. For live market cap and overall valuation, see BOTJ company net worth.
| Year | Quality Index | Net Assets (USD) | Total Assets | Total Liabilities | Change (pp) |
|---|---|---|---|---|---|
| 2025 | 7.7% | $80.05 Million | $1.04 Billion | $958.98 Million | ▲ +1.1 pp |
| 2024 | 6.6% | $64.86 Million | $979.24 Million | $914.38 Million | ▲ +0.4 pp |
| 2023 | 6.2% | $60.04 Million | $969.37 Million | $909.33 Million | ▲ +0.8 pp |
| 2022 | 5.4% | $50.23 Million | $928.57 Million | $878.35 Million | ▼ -1.6 pp |
| 2021 | 7.0% | $69.43 Million | $987.63 Million | $918.21 Million | ▼ -0.8 pp |
| 2020 | 7.8% | $66.73 Million | $851.39 Million | $784.65 Million | ▼ -0.6 pp |
| 2019 | 8.5% | $61.55 Million | $725.39 Million | $663.84 Million | ▲ +0.3 pp |
| 2018 | 8.2% | $55.14 Million | $674.90 Million | $619.75 Million | ▼ -0.1 pp |
| 2017 | 8.2% | $51.66 Million | $626.34 Million | $574.68 Million | ▼ -0.4 pp |
| 2016 | 8.6% | $49.42 Million | $574.20 Million | $524.77 Million | ▼ -0.5 pp |
| 2015 | 9.1% | $48.20 Million | $527.45 Million | $479.26 Million | ▲ +1.6 pp |
| 2014 | 7.5% | $34.78 Million | $460.87 Million | $426.09 Million | ▲ +0.7 pp |
| 2013 | 6.9% | $29.77 Million | $434.51 Million | $404.74 Million | ▲ +0.1 pp |
| 2012 | 6.7% | $29.61 Million | $441.38 Million | $411.77 Million | ▲ +0.4 pp |
| 2011 | 6.3% | $26.80 Million | $427.44 Million | $400.63 Million | ▲ +0.2 pp |
| 2010 | 6.1% | $25.50 Million | $418.93 Million | $393.43 Million | ▲ +0.7 pp |
| 2009 | 5.4% | $23.73 Million | $437.68 Million | $413.96 Million | ▼ -2.1 pp |
| 2008 | 7.5% | $24.64 Million | $328.61 Million | $303.97 Million | ▼ -1.6 pp |
| 2007 | 9.1% | $24.52 Million | $270.06 Million | $245.54 Million | ▼ -0.3 pp |
| 2006 | 9.4% | $21.93 Million | $232.71 Million | $210.78 Million | ▲ +1.9 pp |
| 2005 | 7.5% | $14.68 Million | $195.85 Million | $181.18 Million | ▲ +0.0 pp |
| 2004 | 7.5% | $12.79 Million | $171.03 Million | $158.24 Million | ▼ -0.3 pp |
| 2003 | 7.8% | $11.31 Million | $145.01 Million | $133.70 Million | ▼ -0.9 pp |
| 2002 | 8.7% | $9.97 Million | $114.07 Million | $104.10 Million | ▼ -3.3 pp |
| 2001 | 12.1% | $9.12 Million | $75.59 Million | $66.47 Million | — |