Bank of Botetourt: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
In Q2 2026, Net interest margin edged up by 0.11 percentage points, from 3.97% to 4.08%, the largest move among the key lines here. Within Virginia, Bank of Botetourt is 25th of 56 on net interest margin, 4.08% as of Q2 2026, above the middle of the field. Bank of Botetourt reported 4.08% on net interest margin for Q2 2026, 0.13 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.86% |
| Yield on loans | 6.30% |
| Yield on securities | 2.55% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.93% |
| Cost of interest-bearing deposits | 2.46% |
| Cost of interest-bearing liabilities | 2.45% |
| Cost of borrowings | 3.64% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.08% |
| Yield to cost spread | 3.41% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $12.2M |
| Total interest expense | $4.0M |
| Interest expense on deposits | $4.0M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.85% | 1.73% | 3.36% | 5.39% | 1.88% |
| Q4 2023 | 5.12% | 1.91% | 3.35% | 5.63% | 1.94% |
| Q1 2024 | 5.15% | 2.08% | 3.22% | 5.71% | 1.96% |
| Q2 2024 | 5.30% | 2.18% | 3.31% | 5.81% | 1.99% |
| Q3 2024 | 5.47% | 2.28% | 3.38% | 5.93% | 2.08% |
| Q4 2024 | 5.56% | 2.31% | 3.43% | 6.10% | 2.05% |
| Q1 2025 | 5.52% | 2.08% | 3.59% | 6.07% | 2.03% |
| Q2 2025 | 5.66% | 1.99% | 3.82% | 6.14% | 2.05% |
| Q3 2025 | 5.77% | 1.98% | 3.95% | 6.25% | 2.16% |
| Q4 2025 | 5.80% | 2.05% | 3.92% | 6.30% | 2.27% |
| Q1 2026 | 5.79% | 1.98% | 3.97% | 6.30% | 2.42% |
| Q2 2026 | 5.86% | 1.93% | 4.08% | 6.30% | 2.55% |
Bank of Botetourt yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Botetourt, freeSource: Call Report Schedules RI and RC-K, 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)