BlastPoint

BlastPoint's Banking Scorecard

Bank of Botetourt

$100M-$1B Specialty: Commercial VA FDIC cert 6137

Buchanan, VA

14 branches across VA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 23 in VA.
  • Deposits +4.1% year over year ($821.5M on the books).
  • Delinquency rate 0.26%.
  • Return on assets 1.80%.
  • Efficiency ratio 52.95% vs a 64.48% peer average.
  • Loan-to-deposit ratio 94.26% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 23 in VA
View $100M-$1B leaderboard (VA) →

Bank of Botetourt has 5 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Profitability Leader: Top 23.8% in tier
  • + Revenue Diversifier: Top 28.1% in tier
  • + Net Interest Margin 0.09% above tier average
  • + Efficiency Ratio 11.53% below tier average
  • + Delinquency Rate 0.66% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 16.7% in tier
  • - Credit Risk Growth: Bottom 42.3% in tier
Get updates when Bank of Botetourt releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Total Assets ? $939.4M
+6.0% YoY +0.1% QoQ
+$552.8M $386.6M
+1.2% YoY
$17.9B
+3.0% YoY
$6.3B
+7.7% YoY
Top 2.2% in tier
Total Loans ? $774.3M
+10.2% YoY +2.5% QoQ
+$516.0M $258.3M
+1.7% YoY
$10.9B
+3.1% YoY
$3.2B
+9.4% YoY
Top 0.6% in tier
Total Deposits ? $821.5M
+4.1% YoY -1.5% QoQ
+$494.7M $326.7M
+0.7% YoY
$14.1B
+3.2% YoY
$4.9B
+7.3% YoY
Top 1.3% in tier
Return on Assets ? 1.80%
+49.9% YoY +35.5% QoQ
+0.47% 1.32%
+10.8% YoY
1.34%
+70.7% YoY
1.30%
+12.1% YoY
80%
Net Interest Margin ? 4.07%
+8.8% YoY +1.9% QoQ
+0.09% 3.99%
+5.0% YoY
3.88%
+6.6% YoY
3.95%
+4.9% YoY
58%
Efficiency Ratio ? 52.95%
-14.5% YoY -10.7% QoQ
-11.53% 64.48%
-3.2% YoY
62.24%
-10.7% YoY
70.05%
+2.5% YoY
77%
Delinquency Rate ? 0.26%
+26.1% YoY +81.3% QoQ
-0.66% 0.92%
+15.7% YoY
0.72%
+0.1% YoY
0.98%
+16.3% YoY
61%
Loan-to-Deposit Ratio ? 94.26%
+5.9% YoY +4.1% QoQ
+16.31% 77.95%
+1.0% YoY
80.15%
+0.8% YoY
79.03%
+2.3% YoY
18%
Non-Interest-Bearing Deposit Share ? 22.55%
-2.5% YoY +7.3% QoQ
+0.52% 22.03%
-0.6% YoY
26.19%
+3.5% YoY
21.98%
-0.6% YoY
57%
Nonperforming Asset Ratio ? 0.21%
+31.1% YoY +85.6% QoQ
-0.46% 0.67%
+16.4% YoY
0.52%
-0.4% YoY
0.69%
+15.8% YoY
59%
Tier 1 Capital Ratio ? 11.00%
+5.6% YoY +4.2% QoQ
-4.91% 15.91%
+1.4% YoY
16.58%
+3.9% YoY
17.09%
+0.8% YoY
23%
Non-Interest Income / Assets ? 0.54%
+66.7% YoY +231.2% QoQ
-0.02% 0.57%
+7.6% YoY
0.52%
+72.6% YoY
0.66%
+5.2% YoY
Top 8.3% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Noninterest-Bearing 22.5%
-0.6pp YoY
+1.5pp QoQ
 +0.4pp 22.1% 26.2% 22.2% 57%
Brokered Deposits 1.2%
+0.5pp YoY
-1.9pp QoQ
 -6.6pp 7.9% 8.5% 8.5% 21%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
C&I 5.8%
0.0pp YoY
+0.1pp QoQ
 -5.8pp 11.6% 11.0% 12.5% 25%
CRE 45.5%
+1.6pp YoY
-0.1pp QoQ
 +6.0pp 39.5% 46.9% 41.4% 63%
1-4 Family 42.5%
-1.0pp YoY
+0.1pp QoQ
 +9.8pp 32.6% 32.6% 31.3% 74%
Consumer 3.2%
-0.3pp YoY
-0.1pp QoQ
 -0.9pp 4.1% 8.0% 5.0% 62%

Capital

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 17.2% 19.7% n/a
Leverage Ratio 11.0%
+0.6pp YoY
+0.4pp QoQ
 -1.2pp 12.2% 12.2% 12.6% 50%
Total Capital Ratio n/a n/a 19.9% 18.3% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Full-Time Employees 142
-5 (-3.4%) YoY
-3 (-2.1%) QoQ
 +83 58 1,956 482 96%
Assets per Employee ($) $6.6M
+9.7% YoY
+2.3% QoQ
 -$903K $7.5M $9.9M $8.8M 45%
Branch Count 14
0 YoY
0 QoQ
 +9 4 28 18 97%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Past Due 90+ Days 0.3%
+0.1pp YoY
+0.1pp QoQ
 -0.1pp 0.3% 0.2% 0.4% 71%
Nonaccrual 0.0%
-0.1pp YoY
0.0pp QoQ
 -0.9pp 0.9% 0.7% 1.0% 2%
Allowance Coverage 4.46x
-23.3% YoY
-44.3% QoQ
 -19.69x 24.15x 9.47x 20.23x 68%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.2% 0.2% 67%

Profitability

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
ROE 17.3%
+5.0pp YoY
+4.3pp QoQ
 +5.1pp 12.2% 12.0% 11.6% 79%
Cost of Funds (YTD) 1.8%
-0.1pp YoY
0.0pp QoQ
 +0.1pp 1.7% 1.7% 1.7% 59%
Net Income ($, YTD) $8.4M
+60.9% YoY
— QoQ
 +$5.8M $2.6M $137.1M $40.4M 98%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Profitability Leader

growth
#158 of 661 • Top 23.8% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 1.80%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable

Revenue Diversifier

growth
#187 of 661 • Top 28.1% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.54%
(Tier: 0.57%, National: 0.66%)
but worse than tier avg
Return on Assets: 1.80%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (2)

Credit Quality Pressure

risk
#211 of 1256 • Bottom 16.7% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.26%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

Credit Risk Growth

risk
#397 of 936 • Bottom 42.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (6 metrics)

17
Total Loans
size
Value: $774.33M
Peer Median: $258.35M
#17 of 2643 Top 0.6% in $100M-$1B
36
Total Deposits
size
Value: $821.47M
Peer Median: $326.73M
#36 of 2643 Top 1.3% in $100M-$1B
59
Total Assets
size
Value: $939.41M
Peer Median: $386.57M
#59 of 2643 Top 2.2% in $100M-$1B
221
Non-Interest Income / Assets
revenue_mix
Value: 0.54%
Peer Median: 0.57%
#221 of 2643 Top 8.3% in $100M-$1B
532
Return on Assets
profitability
Value: 1.80%
Peer Median: 1.32%
#532 of 2643 Top 20.1% in $100M-$1B
608
Efficiency Ratio
profitability
Value: 52.95%
Peer Median: 64.48%
#608 of 2643 Top 23.0% in $100M-$1B

Top Weaknesses (2 metrics)

2181
Loan-to-Deposit Ratio
liquidity
Value: 94.26%
Peer Median: 77.95%
#2181 of 2643 Bottom 17.5% in $100M-$1B
2027
Tier 1 Capital Ratio
capital
Value: 11.00%
Peer Median: 15.91%
#2027 of 2643 Bottom 23.3% in $100M-$1B
Powered by BlastPoint © 2026