Bank of the James Financial Group (BOTJ) — 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. Read BOTJ total debt and obligations for a breakdown of total debt and financial obligations.
Quality Index
Net Assets
Total Assets
Total Liabilities
Bank of the James Financial Group Net Asset Quality Index Over Time (2001–2025)
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. For live market cap and overall valuation, see BOTJ stock market capitalisation.
Annual Net Asset Quality Index for Bank of the James Financial Group (2001–2025)
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. Check Bank of the James Financial Group (BOTJ) strategic asset index to assess the company's strategic physical and investment asset allocation.
| 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 | — |