Other Events On July 28, 2026, the Board of Directors of the Company declared a quarterly cash dividend of $0.10 per share of common stock. The dividend will be paid on or about September 4, 2026 to stockholders of record at the close of business on August 21, 2026.

Results of Operations and Financial Condition On July 30, 2026, Bank of the James Financial Group, Inc. (the “Company”) issued a press release announcing financial results for the three months and six months ended June 30, 2026 (the “Press Release”). A copy of the Press Release is attached hereto as Exhibit 99.1 . The information contained in this Item 2.02, including Exhibit 99.1, is being furnished and shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of…

Other Events On April 28, 2026, the Board of Directors of the Company declared a quarterly cash dividend of $0.10 per share of common stock. The dividend will be paid on or about June 5, 2026 to stockholders of record at the close of business on May 22, 2026.

Results of Operations and Financial Condition On April 30, 2026, Bank of the James Financial Group, Inc. (the “Company”) issued a press release announcing financial results for the three months ended March 31, 2026 (the “Press Release”). A copy of the Press Release is attached hereto as Exhibit 99.1 .

Results of Operations and Financial Condition On Wednesday, February 4, 2026, Bank of the James Financial Group, Inc. (the “Company”) issued a press release announcing financial results for the three and twelve months ended December 31 , 2025 (the “Press Release”). A copy of the Press Release is attached hereto as Exhibit 99.1 .

Other Events On January 27, 2026, the Board of Directors of the Company declared a quarterly cash dividend of $0.10 per share of common stock. The dividend will be paid on or about March 6, 2026 to stockholders of record as of the close of business on February 17, 2026.

Director, Secretary, Treasurer, Executive Vice President, Chief Investment Officer — J. Todd Scruggs: Mr. Scruggs retired from multiple positions including Director, Secretary, Treasurer, Executive Vice President, and Chief Investment Officer.

Results of Operations and Financial Condition On Thursday, October 30, 2025, Bank of the James Financial Group, Inc. (the “Company”) issued a press release announcing financial results for the three and nine months ended September 30, 2025 (the “Press Release”). A copy of the Press Release is attached hereto as Exhibit 99.1 .

Other Events On October 28, 2025, the Board of Directors of the Company declared a quarterly cash dividend of $0.10 per share of common stock. The dividend will be paid on or about December 5, 2025 to stockholders of record as of the close of business on November 21, 2025.

Chief Financial Officer (CFO) and Chief Investment Officer (CIO) — J. Todd Scruggs and Eric J. Sorenson, Jr.: Mr. Scruggs is transitioning to the role of Chief Investment Officer while Mr. Sorenson will succeed him as CFO.

Entry into a Material Definitive Agreement. On August 18, 2025 , Bank of the James Financial Group, Inc. (the “Company”) entered into a Second Note Modification Agreement and Allonge (the “Second Allonge”) with The National Bank of Blacksburg (“NBB”) with respect to that certain Secured Promissory Note dated December 29, 2021 (the “NBB Note”), as previously modified on June 30, 2022. The Second Allonge is effective as of September 1, 2025 . The NBB Note was originally issued in the principal…

Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant. The information set forth in

of the Original Report solely to correct inadvertent typographical errors in the press release furnished as Exhibit 99.1 thereto. In the tenth bullet point under the heading “ Second Quarter, First Half of 2025 Highlights ”, and in the first paragraph under the heading “ Balance Sheet: Strong Cash Position, High Asset Quality” , total assets were stated to be $1.04 billion. The correct figure is $1.004 billion. In the second paragraph under the heading “ Balance Sheet: Strong Cash Position, H…

Results of Operations and Financial Condition On Monday, August 4, 2025, Bank of the James Financial Group, Inc. (the “Company”) issued a press release announcing financial results for the three and six months ended June 30, 2025 (the “Press Release”). A copy of the Press Release is attached hereto as Exhibit 99.1 .

Other Events On July 22, 2025, the Board of Directors of the Company declared a quarterly cash dividend of $0.10 per share of common stock. The dividend will be paid on or about September 26, 2025 to stockholders of record as of the close of business on September 12, 2025.

Results of Operations and Financial Condition On Wednesday, April 30, 2025, Bank of the James Financial Group, Inc. (the “Company”) issued a press release announcing financial results for the three months ended March 31, 2025 (the “Press Release”). A copy of the Press Release is attached hereto as Exhibit 99.1 .

Other Events On April 15, 2025, the Board of Directors of the Company declared a quarterly cash dividend of $0.10 per share of common stock. The dividend will be paid on or about June 20, 2025 to stockholders of record as of the close of business on June 6, 2025.

Director — Thomas W. Pettyjohn, Jr., James F. Daly: Directors announced their intention not to seek re-election and will retire.

Results of Operations and Financial Condition On Friday, January 31, 2025, Bank of the James Financial Group, Inc. (the "Company") issued a press release announcing financial results for the three and twelve months ended December 31, 2025 (the "Press Release"). A copy of the Press Release is attached hereto as Exhibit 99.1 .

Other Events On January 21, 2025, the Board of Directors of the Company declared a quarterly cash dividend of $0.10 per share of common stock. The dividend will be paid on or about March 21, 2025 to stockholders of record as of the close of business on March 7, 2025.

Results of Operations and Financial Condition On Friday, October 25, 2024, Bank of the James Financial Group, Inc. (the "Company") issued a press release announcing financial results for the three and nine months ended September 30, 2024 (the "Press Release"). A copy of the Press Release is attached hereto as Exhibit 99.1 .

Other Events On October 15, 2024, the Board of Directors of the Company declared a quarterly cash dividend of $0.10 per share of common stock. The dividend will be paid on or about December 6, 2024 to stockholders of record as of the close of business on November 22, 2024.

Results of Operations and Financial Condition On Friday, July 26, 2024, Bank of the James Financial Group, Inc. (the "Company") issued a press release announcing financial results for the three and six months ended June 30, 2024 (the "Press Release"). A copy of the Press Release is attached hereto as Exhibit 99.1 .

Other Events On July 16, 2024, the Board of Directors of the Company declared a quarterly cash dividend of $0.10 per share of common stock. The dividend will be paid on or about September 20, 2024 to stockholders of record as of the close of business on September 6, 2024.

Results of Operations and Financial Condition On Friday, April 26, 2024, Bank of the James Financial Group, Inc. (the "Company") issued a press release announcing financial results for the three months ended March 31, 2024 (the "Press Release"). A copy of the Press Release is attached hereto as Exhibit 99.1 .