Bank of Botetourt
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Data as of · sourced from FFIEC call reports. How we update
Bank of Botetourt is an FDIC-insured commercial bank headquartered in Buchanan, VA, established in 1899 (FDIC certificate 6137), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $939.4M, up 6.0% from Q2 2025, the 32nd largest of 56 banks headquartered in Virginia. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.00% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 6137
- Headquarters
- Buchanan, VA
- Established
- 1899
- Total assets, Q2 2026
- $939.4M
- Assets vs Q2 2025
- +6.0%
- Tier 1 leverage ratio, Q2 2026
- 11.00%
- Domestic offices
- 14 FDIC institution directory, current count
- Routing number
- 051402550
- Latest call report
- Q2 2026, FFIEC 051 · Bank of Botetourt call report
- Asset rank in state
- 32nd of 56 in Virginia
Bank of Botetourt is one of the more profitable banks of its size. It reported $939 million in assets at June 30, 2026, up 6.0% from a year earlier. It earns about $2.25 a year on every $100 of assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). It also spends about 48 cents to bring in each dollar of revenue, lower than about three-quarters of banks its size (median 61 cents).
Earnings jumped: net income for the quarter was $5.3 million, 67% above the same quarter a year earlier. Over the same year, loans grew 10.2% and deposits grew 4.1%.
As of June 30, 2026, Bank of Botetourt reported a return on assets of 2.25%, a nonperforming-loan ratio of 0.25% and a Texas ratio of 1.82%. The figures come from its call report filed with the FFIEC.
Of the 56 banks headquartered in Virginia, Bank of Botetourt is the 32nd largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.1% to $939.4M, loans rose 2.5% and deposits fell 1.5%. 1-4 family residential loans made up 42.0% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 17.4%. The FDIC Summary of Deposits lists 14 offices for it, in 11 cities in VA; its Daleville office books 24% of its branch deposits. By the capital ratios in its Q2 2026 call report, Bank of Botetourt meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 19747 Main St, Buchanan, VA 24066
- County
- Botetourt
- Metro Area
- Roanoke, VA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- September 27, 1899
- Domestic offices
- 14 FDIC institution directory, current count
- Employees (FTE)
- 142
- Domestic deposits
- $821.5M
- Allowance for credit losses
- $8.9M
- Net charge-offs (YTD)
- $189K
- Average total assets
- $942.1M
- Average total loans
- $773.6M
- Average interest-bearing deposits
- $647.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 6137
- Fed RSSD
- 759625
- Website
- www.bankofbotetourt.com →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Bank of Botetourt reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Bank of Botetourt's total assets moved between a low of $741.9M (Q3 2023) and a high of $939.4M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$939.4M total assets against $886.3M; $838.4M total liabilities against $798.5M.
$774.3M net loans and leases against $702.7M; $821.5M total deposits against $789.4M.
$69.4M securities against $77.1M; $51.6M cash and balances due against $68.1M.
$13.1M total interest income against $11.8M; $4.0M total interest expense against $3.8M.
$9.2M net interest income against $7.9M.
$3.6M total noninterest income against $1.6M; $6.1M total noninterest expense against $5.6M.
$505K provision for credit losses against $8K.
$5.3M net income against $3.2M.
2.25% return on assets against 1.45%; 4.08% net interest margin against 3.82%.
11.00% tier 1 leverage ratio against 10.42%.
Inside the full Bank of Botetourt terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBank of Botetourt rankings
Its closest position to the top of a national ranking is 276 of 3,611, for ROA; its furthest is 2,333 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.92% (Q4 2024) to 2.25% (Q2 2026) and its net interest margin ran from 3.38% (Q3 2024) to 4.08% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.00% | 2.25% | 0.25% | 1.82% | 4.08% |
| Q1 2026 | 10.56% | 1.33% | 0.14% | 1.03% | 3.97% |
| Q4 2025 | 10.42% | 1.18% | 0.09% | 0.69% | 3.92% |
| Q3 2025 | 10.57% | 1.30% | 0.22% | 1.60% | 3.95% |
| Q2 2025 | 10.42% | 1.45% | 0.20% | 1.49% | 3.82% |
| Q1 2025 | 10.22% | 0.95% | 0.16% | 1.16% | 3.59% |
| Q4 2024 | 10.25% | 0.92% | 0.24% | 1.86% | 3.43% |
| Q3 2024 | 10.53% | 0.97% | 0.29% | 2.13% | 3.38% |
Swipe the table sideways to see every column.
Branch Network
View all 14 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Daleville Branch | Daleville , VA | 24083 | $199.4M |
| Bank of Botetourt (main office) | Buchanan , VA | 24066 | $102.4M |
| Lexington Office Branch | Lexington , VA | 24450 | $96.1M |
| Bonsack Branch | Roanoke , VA | 24012 | $72.2M |
| Cave Spring Branch | Roanoke , VA | 24018 | $65.3M |
| Troutville Branch | Troutville , VA | 24175 | $55.8M |
| Salem Branch | Salem , VA | 24153 | $45.1M |
| Peters Creek Road Branch | Roanoke , VA | 24019 | $39.9M |
| Moneta Branch | Moneta , VA | 24121 | $38.1M |
| Rocky Mount Branch | Rocky Mount , VA | 24151 | $36.2M |
| Fairfield Branch | Fairfield , VA | 24435 | $27.9M |
| Vinton Office Branch | Vinton , VA | 24179 | $20.8M |
| Eagle Rock Branch | Eagle Rock , VA | 24085 | $20.2M |
| Melrose Branch | Roanoke , VA | 24017 | $2.1M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 4, 2013 | M&A | Acquired Botetourt Bankshares, Inc. merger for the acquired bank | SEC |
| October 4, 2013 | Structure Change | Acquired Botetourt Bankshares, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in VA, rank 39 of 102 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $774K approved, $774K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2022 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Bank of Botetourt
What are Bank of Botetourt's total assets?
As of the Q2 2026 filing, Bank of Botetourt reported total assets of $939.4 million in its FFIEC call report.
Where is Bank of Botetourt headquartered?
It is headquartered in Buchanan, VA, United States.
When was Bank of Botetourt founded?
It was established in 1899, per the FDIC institution directory.
Is Bank of Botetourt FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #6137). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Botetourt?
Bank of Botetourt's primary federal regulator is the FDIC.
How many branches does Bank of Botetourt operate?
It operates 14 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of Botetourt's Texas Ratio?
Its Texas Ratio is 1.82% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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