BlastPoint's Banking Scorecard
Bank of Botetourt
Buchanan, VA
14 branches across VA
Bank of Botetourt has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.06% above tier average
- + Net Interest Margin 0.06% above tier average
- + Efficiency Ratio 6.01% below tier average
- + Delinquency Rate 0.75% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 40.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$938.0M
+8.4% YoY
+1.4% QoQ
|
+$552.0M |
$386.1M
+0.5% YoY
|
$17.9B
+25.7% YoY
|
$6.2B
+9.1% YoY
|
Top 2.3% in tier |
| Total Loans ? |
$755.5M
+10.0% YoY
+0.5% QoQ
|
+$499.8M |
$255.7M
+1.1% YoY
|
$10.6B
+27.9% YoY
|
$3.2B
+10.8% YoY
|
Top 0.9% in tier |
| Total Deposits ? |
$834.0M
+7.9% YoY
+1.0% QoQ
|
+$506.0M |
$328.0M
+0.1% YoY
|
$14.1B
+22.4% YoY
|
$4.8B
+8.2% YoY
|
Top 1.2% in tier |
| Return on Assets ? |
1.32%
+39.7% YoY
+8.8% QoQ
|
+0.06% |
1.27%
+12.9% YoY
|
1.15%
+53.9% YoY
|
1.23%
+13.4% YoY
|
57% |
| Net Interest Margin ? |
4.00%
+9.9% YoY
+3.7% QoQ
|
+0.06% |
3.93%
+6.0% YoY
|
3.81%
+7.1% YoY
|
3.89%
+5.7% YoY
|
57% |
| Efficiency Ratio ? |
59.28%
-10.3% YoY
-3.7% QoQ
|
-6.01% |
65.29%
-4.5% YoY
|
65.58%
-7.6% YoY
|
66.95%
-4.1% YoY
|
62% |
| Delinquency Rate ? |
0.14%
-9.6% YoY
+51.9% QoQ
|
-0.75% |
0.89%
+18.8% YoY
|
0.77%
+12.4% YoY
|
0.95%
+18.8% YoY
|
69% |
| Loan-to-Deposit Ratio ? |
90.59%
+2.0% YoY
-0.6% QoQ
|
+13.95% |
76.64%
+0.8% YoY
|
79.34%
+0.5% YoY
|
76.70%
+0.9% YoY
|
23% |
| Non-Interest-Bearing Deposit Share ? |
21.02%
-7.4% YoY
+3.9% QoQ
|
-1.00% |
22.02%
-1.0% YoY
|
25.27%
-0.4% YoY
|
22.01%
-1.2% YoY
|
50% |
| Nonperforming Asset Ratio ? |
0.11%
-8.3% YoY
+50.5% QoQ
|
-0.52% |
0.64%
+19.7% YoY
|
0.55%
+12.2% YoY
|
0.67%
+19.3% YoY
|
69% |
| Tier 1 Capital Ratio ? |
10.56%
+3.3% YoY
+1.3% QoQ
|
-5.27% |
15.83%
+1.5% YoY
|
16.28%
+2.7% YoY
|
17.06%
+0.8% YoY
|
17% |
| Non-Interest Income / Assets ? |
0.16%
+13.7% YoY
-73.2% QoQ
|
-0.12% |
0.28%
+9.3% YoY
|
0.18%
+27.1% YoY
|
0.32%
+4.1% YoY
|
78% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.