Bank of Botetourt: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bank of Botetourt of Buchanan, VA against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.25% | 1.34% | +0.91% | 91st top |
| ROAE | 21.51% | 13.31% | +8.20% | 91st top |
| Net Interest Margin | 4.08% | 3.93% | +0.15% | 58th above |
| Efficiency Ratio | 47.75% | 61.15% | -13.40% | 85th top |
| PPNR / Avg Assets | 2.82% | 1.68% | +1.14% | 94th top |
| Yield on Earning Assets | 5.86% | 5.67% | +0.19% | 62nd above |
| Cost of Funds | 1.93% | 1.88% | +0.05% | 42nd below |
| Net Interest Spread | 3.41% | 3.32% | +0.09% | 54th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.04% | 0.94% | -0.90% | 80th top |
| NPA / Total Assets | 0.03% | 0.70% | -0.67% | 81st top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.06% | 0.16% | -0.10% | 23rd bottom |
| ACL / Total Loans | 1.14% | 1.28% | -0.14% | 42nd below |
| ACL / NPLs (Coverage) | 2946.69% | 1537.27% | +1409.42% | — |
| Texas Ratio | 2.06% | 7.34% | -5.28% | 62nd above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 377.25% | 1396.90% | -1019.65% | 69th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.00% | 12.14% | -1.14% | 51st above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.75% | 11.37% | -0.62% | 56th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.05% | 11.09% | -1.04% | 50th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 95.34% | 80.62% | +14.72% | 17th bottom |
| Core Deposit Ratio | 90.80% | 86.86% | +3.94% | 60th above |
| Wholesale Funding Ratio | 1.06% | 5.04% | -3.98% | 81st top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.00% | 6.85% | -0.85% | 62nd above |
| Loan Growth (Y/Y) | 10.15% | 7.90% | +2.25% | 74th above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.06% | 6.29% | -2.23% | 50th above |
See Bank of Botetourt's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bank of Botetourt, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Bank of Botetourt profile, how to read a UBPR, or how this data updates.