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Bank Of Botetourt
Buchanan, VA · FDIC Certificate #6137 · Chartered 09/2
Total assets
$939.41M
Total deposits
$821.47M
Total equity
$101.01M
Net loans
$774.33M
Branches (offices)
14
Net income (YTD)
$8.39M
Rank: #1,102 of 4,213 U.S. banks by assets · #32 of 56 in Virginia. Assets changed 6.0% and deposits 4.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.80% |
| Return on equity | 17.31% |
| Net interest margin (YTD) | 4.07% |
| Equity to assets | 10.75% |
| Tier 1 leverage ratio | 11.00% |
| Uninsured deposits (share of deposits) | 13.5% |
| Noncurrent loans (share of loans) | 0.25% |
| Net charge-offs (share of loans) | 0.05% |
| Loans to deposits | 94.3% |
| Real estate loans (share of loans) | 91.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $708.49M | 91.5% | |
| Commercial & industrial | $44.80M | 5.8% | |
| Consumer / individual | $24.78M | 3.2% | |
| Construction & development | $94.80M | 12.2% | |
| Agricultural | $3.83M | 0.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $717.43M | $656.99M | $3.31M | $57.55M |
| Jun 2023 | $746.84M | $658.36M | $4.29M | $70.16M |
| Jun 2024 | $794.28M | $687.91M | $4.02M | $78.27M |
| Jun 2025 | $886.26M | $789.39M | $5.21M | $87.79M |
| Jun 2026 | $939.41M | $821.47M | $8.39M | $101.01M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Virginia | $821.47M | 14 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $821.47M.
Similar-sized banks
Fnb Oxford Bank ($939.72M) · United Prairie Bank ($939.27M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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