Core Insights - Bank of the James Financial Group, Inc. reported record annual earnings of $9.02 million for 2025, reflecting a 13.6% increase from 2024 [3][4] - The company achieved a net interest income of $32.81 million for the full year 2025, up 12.2% from $29.24 million in 2024 [3][4] - Total assets reached $1.04 billion at the end of 2025, marking a 6.1% increase from $979.24 million at the end of 2024 [4][11] Financial Performance - Fourth-quarter net income was $2.72 million, compared to $1.62 million in the same quarter of 2024, with earnings per share rising to $0.60 from $0.36 [4][21] - Net interest margin improved to 3.44% in Q4 2025, up from 3.18% in Q4 2024, while the full year margin was 3.39%, compared to 3.11% in 2024 [4][25] - Noninterest income for the full year increased by 4.7% to $15.85 million, driven by gains on loan sales and wealth management fees [8][21] Asset and Liability Management - Total deposits increased to $937.13 million at December 31, 2025, a rise of 6.2% from $882.40 million in 2024, with core deposits growing by 7.7% [12][4] - Loans, net of allowance for credit losses, rose to $661.36 million, reflecting a 3.9% increase from $636.55 million in 2024 [4][11] - Stockholders' equity increased by 23.4% to $80.05 million, with book value per share rising to $17.62 from $14.28 [13][4] Expense Management - Noninterest expense decreased by 4.2% in Q4 2025 to $9.11 million, attributed to reduced data processing costs and lower professional fees [9][10] - The efficiency ratio improved significantly to 70.81% in Q4 2025 from 82.62% in Q4 2024, indicating better cost management [4][25] - Interest expense declined by 12.1% in Q4 2025 to $3.47 million, reflecting effective management of deposit pricing and the retirement of capital notes [6][4] Market Position and Strategy - The company serves a diverse range of markets in Virginia, including Lynchburg and surrounding areas, focusing on both commercial and retail banking [1][14] - The management emphasized a continued focus on pricing, costs, and credit quality as key strategies for 2026 [3][4] - Wealth management fees from Pettyjohn, Wood & White, Inc. increased by 10.4% in 2025, contributing positively to overall earnings [4][8]

Core Viewpoint - American Rebel Holdings, Inc. has successfully met the Nasdaq Listing Rule 5550(b)(1) by achieving stockholders' equity of $3,378,257, thus remaining compliant and listed on The Nasdaq Capital Market [1][2]. Compliance Confirmation - The Nasdaq Hearings Panel confirmed compliance on November 21, 2025, following the Company's filing of its Quarterly Report on Form 10-Q for the period ended September 30, 2025 [2][5]. - The compliance determination was based on the Company's stockholders' equity exceeding the required $2.5 million threshold [2][5]. CEO Commentary - The CEO of American Rebel expressed that the compliance notice is a significant milestone for the Company and its stockholders, emphasizing the importance of a Nasdaq listing for liquidity and investor base expansion [3]. - The CEO acknowledged the support from Nasdaq, strategic partners, and stockholders during the compliance process, indicating a focus on long-term value creation moving forward [3]. Monitoring Period - Following the compliance confirmation, the Company will enter a mandatory one-year monitoring period, during which any future non-compliance will lead to immediate delisting without additional cure periods [5][6]. Improvement in Stockholders' Equity - The Company has shown significant improvement in stockholders' equity, moving from a deficit of approximately $(8.0) million as of March 31, 2025, to a positive equity of $3,378,257 by September 30, 2025, reflecting an improvement of roughly $11.4 million [11]. - This improvement is attributed to a series of strategic initiatives executed throughout 2025 to strengthen the balance sheet [7][8]. Company Overview - American Rebel Holdings, Inc. is a patriotic lifestyle brand that has expanded from designing and marketing branded safes to include products like American Rebel Light Beer, apparel, and accessories [9]. - The Company aims to grow within the premium light lager segment across the United States, leveraging experienced distribution partners [9].