| Metric | Bank of Botetourt | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.0% | +4.9% | +1.1 pts |
| Deposit growth (YoY) | +4.1% | +4.3% | -0.3 pts |
| Loan growth (YoY) | +10.2% | +5.3% | +4.8 pts |
| ROA | 1.80% | 1.28% | +0.5 pts |
| ROE | 17.3% | 12.4% | +4.9 pts |
ROA ranks in the 80th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $939.4M | $821.5M | $774.3M | $101.0M | $8.4M | 1.80% | 4.07% | 0.21% |
| Q1 2026 | $938.0M | $834.0M | $755.5M | $96.1M | $3.1M | 1.32% | 4.00% | 0.11% |
| Q4 2025 | $925.5M | $825.5M | $752.1M | $93.5M | $10.8M | 1.22% | 3.85% | 0.08% |
| Q3 2025 | $898.8M | $778.9M | $728.3M | $90.9M | $8.1M | 1.23% | 3.81% | 0.18% |
| Q2 2025 | $886.3M | $789.4M | $702.7M | $87.8M | $5.2M | 1.20% | 3.74% | 0.16% |
| Q1 2025 | $865.4M | $773.2M | $686.9M | $84.8M | $2.0M | 0.95% | 3.64% | 0.12% |
| Q4 2024 | $859.2M | $769.4M | $671.6M | $82.5M | $7.9M | 0.98% | 3.39% | 0.20% |
| Q3 2024 | $818.0M | $708.8M | $651.2M | $81.4M | $6.0M | 1.00% | 3.36% | 0.23% |
Loan mix (Q2 2026): real estate $708.5M · commercial $44.8M · consumer $24.8M · securities $69.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Bank of Botetourt | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.80% | 1.28% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 17.3% | 12.4% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.07% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.9% | 61.2% | 24th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Bank of Botetourt | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Bank of Botetourt | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Bank of Botetourt | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Bank of Botetourt | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Bank of Botetourt | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
14 branches in 7 counties across 1 state (+1 vs 2024) · $789.4M branch deposits. Biggest market: Botetourt, VA, ranked 1st with 40.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Botetourt, VA | 4 | $372.9M | 40.48% | 1st |
| Roanoke, VA | 4 | $184.5M | 5.39% | 5th |
| Rockbridge, VA | 2 | $124.2M | 27.81% | 1st |
| 4 more counties with Pro → | ||||
Virginia: 53rd with 0.20% · Roanoke metro: 6th, 5.26% · Lynchburg metro: 19th, 0.62% ·
Branch count: 2022 13 · 2023 13 · 2024 13 · 2025 14