Bank of the James Financial Group, Inc. is the bank holding company for Bank of the James, providing retail and commercial banking services to individuals, businesses, associations, organizations, and governmental authorities in Virginia, United States. It operates through three segments: Community Banking, Mortgage Banking, and Investment Advisory (Wealth Management). The company offers deposit products such as checking, savings, retirement, and health care savings accounts, as well as money market accounts and certificates of deposit. It also provides various loans, including business, construction, commercial real estate, residential mortgage, and consumer loans, along with investment advisory, financial planning, securities brokerage, insurance, and other banking services. Founded in 1999, it is headquartered in Lynchburg, Virginia.