Bank of Botetourt: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 3.72 percentage points higher than in Q1 2026, at 95.34%. Within Virginia, Bank of Botetourt is 11th of 56 on loan-to-deposit ratio, 95.34% as of Q2 2026, above the middle of the field. Bank of Botetourt reported 95.34% on loan-to-deposit ratio for Q2 2026, 14.51 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $51.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $121.1M |
| Fed funds sold and reverse repos | $946K |
| Fed funds sold and reverse repos to assets | 0.10% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $10.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.06% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.34% |
| Net loans and leases to deposits | 94.26% |
| Loans and leases to core deposits | 105.01% |
| Core deposits to total deposits | 90.80% |
| Brokered deposits to total deposits | 1.22% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 87.26% | 90.49% | $0 | $14.0M |
| Q4 2023 | 86.87% | 90.59% | $0 | $19.0M |
| Q1 2024 | 87.63% | 90.55% | $0 | $19.0M |
| Q2 2024 | 92.63% | 91.12% | $0 | $19.0M |
| Q3 2024 | 92.98% | 90.36% | $0 | $19.0M |
| Q4 2024 | 88.33% | 91.26% | $0 | $0 |
| Q1 2025 | 89.91% | 91.40% | $0 | $0 |
| Q2 2025 | 90.08% | 91.90% | $0 | $0 |
| Q3 2025 | 94.60% | 91.60% | $0 | $22.0M |
| Q4 2025 | 92.13% | 91.85% | $0 | $0 |
| Q1 2026 | 91.62% | 89.46% | $0 | $0 |
| Q2 2026 | 95.34% | 90.80% | $0 | $10.0M |
Bank of Botetourt liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Botetourt, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bank of Botetourt profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6137) · FFIEC NIC profile (RSSD 759625)