Bank of Botetourt: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 7.17 percentage points lower than in Q1 2026, at 192.54%. Bank of Botetourt ranks 11th of 56 Virginia banks on loan-to-deposit ratio, in the upper half at 95.34% (Q2 2026). 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.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $783.2M |
| Net loans and leases | $774.3M |
| Loans held for sale | $1.4M |
| Loans to total assets | 83.37% |
| Loan-to-deposit ratio | 95.34% |
| Net loans to equity capital | 7.67% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 29.31% |
| Multifamily (5+ residential) | 3.59% |
| Commercial and industrial | 5.72% |
| Consumer | 3.16% |
| Credit cards | 0.34% |
| Farm | 3.46% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.04% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 192.54% |
| Construction concentration (Tier 1 capital + allowance) | 84.24% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.30% |
| Interest income on loans | $12.2M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $568.6M | $651.6M | 25.78% | 6.34% | 4.32% |
| Q4 2023 | $600.8M | $691.6M | 26.49% | 6.63% | 4.12% |
| Q1 2024 | $614.6M | $701.4M | 26.57% | 6.23% | 4.12% |
| Q2 2024 | $637.2M | $687.9M | 25.86% | 5.87% | 4.03% |
| Q3 2024 | $659.0M | $708.8M | 26.12% | 5.88% | 3.83% |
| Q4 2024 | $679.6M | $769.4M | 26.72% | 6.16% | 3.69% |
| Q1 2025 | $695.2M | $773.2M | 26.65% | 6.01% | 3.62% |
| Q2 2025 | $711.0M | $789.4M | 27.36% | 5.73% | 3.49% |
| Q3 2025 | $736.8M | $778.9M | 28.11% | 5.58% | 3.32% |
| Q4 2025 | $760.5M | $825.5M | 28.80% | 5.76% | 3.25% |
| Q1 2026 | $764.1M | $834.0M | 29.38% | 5.60% | 3.23% |
| Q2 2026 | $783.2M | $821.5M | 29.31% | 5.72% | 3.16% |
Bank of Botetourt loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Botetourt, freeSource: Call Report Schedule RC-C, 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)