Bank of the James Financial Group is a bank holding company that operates a community bank and related financial services businesses serving central Virginia. The company generates revenue primarily from net interest income on residential and commercial loans, deposit service fees, and mortgage origination through its Bank of the James division; it also earns investment advisory fees through Pettyjohn, Wood & White, a registered investment adviser managing client assets. The group operates retail and commercial banking services across multiple offices in the Region 2000 market area and adjacent communities, alongside a mortgage brokerage division that originates conforming and non-conforming residential mortgages, and provides ancillary services including securities brokerage, insurance products, and digital banking capabilities.