BOTJ — what changed in the latest 10-Q
A section-by-section comparison of BOTJ's newest periodic SEC filing (10-K/10-Q) against the prior same-form filing: paragraphs added and removed per section, with verbatim excerpts. Purely a deterministic text diff — no similarity scores, no directional read, not investment advice.
Comparing 10-Q · 2026-08-12 vs the prior 10-Q · 2026-05-12
| Section | Outcome | Added | Removed | Minor | Unchanged |
|---|---|---|---|---|---|
| MD&A | Text added/removed | +60 | −63 | ~16 | 91 |
| Controls & procedures | Text added/removed | +1 | −1 | ~1 | 0 |
| Legal proceedings | No paragraph-level changes | 0 | 0 | 0 | 1 |
Counts are paragraphs; added/removed means text added or removed vs the prior filing — no direction or judgement implied.
Not shown (absent or not faithfully extractable): Market risk (Item 3), Risk factors, Other information
Representative excerpts
Up to 5 excerpts of about 300 characters per section, quoted verbatim from the two SEC filings.
MD&A
Text added vs the prior filing · source: 10-Q · 2026-08-12
During the quarter ended June 30, 2026, the Bank provided regulatory notice, dated May 26, 2026, of its intent to close two full-service branches, effective August 24, 2026: the Buchanan Branch, located at 19792 Main Street, Buchanan, Virginia, and the Water Street Branch, located at 550 Water St., …
Total assets were $1,041,307,000 on June 30, 2026, compared with $1,039,024,000 at December 31, 2025, an increase of 0.2%. The increase in total assets was primarily due to growth in the loan portfolio and available-for-sale securities, which were largely funded by a reduction in cash and cash equiv…
Total deposits decreased from $937,129,000 at December 31, 2025, to $935,184,000 at June 30, 2026, a decrease of $1,945,000, or 0.2%. The decline was driven primarily by a decrease in NOW, money market, and savings deposits of $6,920,000, partially offset by growth in noninterest-bearing demand depo…
Total loans, excluding loans held for sale, increased to $692,681,000 at June 30, 2026, from $667,807,000 at December 31, 2025, an increase of $24,874,000, or 3.7%. The increase was driven primarily by growth in commercial and commercial real estate lending, including commercial construction and lan…
Total loans, excluding loans held for sale and net of the allowance for credit losses, increased to $686,084,000 at June 30, 2026 from $661,357,000 at December 31, 2025, an increase of 3.7%. The six-month increase reflects a decline in the first quarter of 2026, attributable to elevated payoff activ…
Text removed vs the prior filing · source: 10-Q · 2026-05-12
amount recognized in the balance sheets and could impact the overall liquidity and capital resources to the extent customers accept or use these commitments.
Total assets were $1,061,189,000 on March 31, 2026, compared with $1,039,024,000 at December 31, 2025, an increase of 2.13%. The increase in total assets was primarily due to growth in federal funds sold and securities available-for-sale, reflecting deployment of available liquidity, partially offse…
Total deposits increased from $937,129,000 at December 31, 2025, to $956,552,000 at March 31, 2026, an increase of $19,423,000, or 2.07%. The growth was driven primarily by an increase in noninterest-bearing demand deposits of $13,306,000 and an increase in NOW, money market, and savings deposits of…
Total loans, excluding loans held for sale, decreased to $655,334,000 at March 31, 2026, from $667,807,000 at December 31, 2025, a decrease of $12,473,000, or 1.85%. The decline was concentrated in the commercial portfolio, which decreased $4,363,000 (primarily reflecting loan payoffs), and in the c…
Total loans, excluding loans held for sale and net of the allowance for credit losses, decreased to $649,133,000 at March 31, 2026 from $661,357,000 at December 31, 2025, a decrease of 1.85%. The decline was primarily attributable to loan payoffs. While the Company experienced growth in certain comm…
Controls & procedures
Text added vs the prior filing · source: 10-Q · 2026-08-12
There was no change in the Company’s internal control over financial reporting (as defined in Rules 13a-15(f) and 15d-15(f) under the Exchange Act) that occurred during the quarter ended June 30, 2026, that has materially affected, or is reasonably likely to materially affect, the Company’s internal…
Text removed vs the prior filing · source: 10-Q · 2026-05-12
There have been no significant changes during the quarter ended March 31, 2026, in the Company’s internal controls over financial reporting (as defined in Rules 13a-15 and 15d-15 of the Securities Exchange Act of 1934) or in other factors that could have significantly affected those controls subsequ…
How to read Risk Factors (Item 1A) in a 10-Q
A 10-Q risk-factor section usually takes one of three forms; this page classifies it as one of:
- Pointer — the filer states there have been no material changes and points back to the annual 10-K risk factors; there is no own risk text to compare this quarter.
- Partial update — the filer carves out specific updated risks ("except as set forth below"); the excerpts show exactly what is new this quarter.
- Restated in full — the quarter carries the complete risk-factor text. When the prior quarter was only a pointer there is no prior full text to diff against, so the page flags the section as restated instead.
This describes the filing structure only — it is never a judgement on whether risk went up or down.
Source: text-level diff of the two SEC EDGAR filings · deterministic (no AI-generated content) · for reference only · not investment advice