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BOTJ vs CVBF

Bank of the James Financial Group, Inc and CVB Financial Corp

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Bank of the James Financial Group, Inc

Bank of the James Financial Group, Inc. operates as the bank holding company for Bank of the James that provides general retail and commercial banking services to individuals, businesses, associations and organizations, and governmental authorities in Virginia, the United States. It operates through Community Banking, Mortgage Banking, and Investment Advisory (Wealth Management) segments. The company offers checking, savings, individual retirement, and health care savings accounts, as well as other time deposits, including money market accounts and certificates of deposit. It also provides small- and medium-sized business loans for use in purchase of equipment, facilities upgrades, inventory acquisition, and various working capital; commercial and residential construction, and development loans; loans to borrowers secured by commercial real estate; residential mortgage; and secured and unsecured consumer loans, including personal loans, lines of credit, overdraft lines of credit, automobile loans, installment loans, demand loans, and home equity loans. In addition, the company offers investment advisory and financial planning services; securities brokerage and other investment services; insurance and annuity products, such as life insurance, fixed annuities, and disability insurance; safe deposit boxes, traveler's checks, direct deposit of payroll and social security checks, automatic drafts for various accounts, treasury management services, and credit card merchant services; automated teller machines; and telephone and internet banking, including online bill pay. Bank of the James Financial Group, Inc. was founded in 1999 and is headquartered in Lynchburg, Virginia.

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CVB Financial Corp

CVB Financial Corp. operates as a bank holding company for Citizens Business Bank, a state-chartered bank that provides banking and financial services to small to mid-sized businesses and individuals. The company offers checking, savings, money market, and time certificates of deposit products for business and personal accounts; and serves as a federal tax depository for business customers. It also provides commercial lending products comprising lines of credit and other working capital financing, accounts receivable lending, and letters of credit; agriculture loans to finance the operating needs of wholesale dairy farm operations, cattle feeders, livestock raisers, and farmers; lease financing services for municipal governments; commercial real estate and construction loans; consumer financing products, including automobile leasing and financing, lines of credit, credit cards, home mortgages, and home equity loans; and equipment and vehicle leasing services. In addition, the company offers various specialized services, such as treasury management systems for monitoring cash flow, a merchant card processing program, armored pick-up and delivery, payroll services, remote deposit capture, electronic funds transfers, wires and automated clearinghouse, and online account access; and foreign exchange services. Further, it provides financial and trust services, such as fiduciary services, mutual funds, annuities, 401(k) plans, and individual investment accounts. CVB Financial Corp. was founded in 1974 and is headquartered in Ontario, California.

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