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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Buchanan, VA · FDIC certificate #6137
BANK OF BOTETOURT is an FDIC-insured institution based in Buchanan, VA (FDIC certificate #6137). In its Q3 2026 Call Report it reported total assets of $942M, total deposits of $831M and net loans of $783M. Its primary federal regulator is FDIC.
Plain-language readout
BANK OF BOTETOURT has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $942M in Q3 2026 and were lowest at $938M in Q1 2026.
Total deposits were highest at $834M in Q1 2026 and lowest at $821M in Q2 2026.
Over the whole period total assets rose 0.4%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $942M | $831M | $783M | 1.76% | 16.70% | 4.16% |
| Q2 2026 | $939M | $821M | $774M | 1.80% | 17.31% | 4.07% |
| Q1 2026 | $938M | $834M | $756M | 1.32% | 13.02% | 4.00% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $50.7M | $68.5M | -$17.8M | -26.0% |
| Federal funds sold | $946K | $918K | +$28K | +3.1% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $69.4M | $74.2M | -$4.8M | -6.5% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $1.4M | $359K | +$996K | +277.4% |
| Net loans and leases (after allowance) | $773.0M | $755.2M | +$17.8M | +2.4% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $18.1M | $17.9M | +$207K | +1.2% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $5.6M | $3.6M | +$2.0M | +56.0% |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $20.4M | $17.4M | +$2.9M | +16.9% |
| Total assets | $939.4M | $938.0M | +$1.4M | +0.1% |
| Liabilities | ||||
| Total deposits | $821.5M | $834.0M | -$12.5M | -1.5% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $10.0M | $0K | +$10.0M | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $6.9M | $7.9M | -$966K | -12.2% |
| Total liabilities | $838.4M | $841.9M | -$3.5M | -0.4% |
| Equity | ||||
| Perpetual preferred stock | $6.6M | $6.6M | $0K | 0.0% |
| Common stock | $3.0M | $3.0M | +$3K | +0.1% |
| Surplus | $18.3M | $18.2M | +$82K | +0.4% |
| Retained earnings | $75.0M | $70.3M | +$4.7M | +6.7% |
| Accumulated other comprehensive income | -$1.9M | -$2.0M | +$100K | +5.0% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $101.0M | $96.1M | +$4.9M | +5.1% |
| Credit and capital | ||||
| Gross nonperforming assets | $2.0M | $1.1M | +$922K | +85.8% |
| Adjusted nonperforming assets | $2.0M | $1.1M | +$922K | +85.8% |
| Tangible equity plus allowance | $109.9M | $104.7M | +$5.2M | +4.9% |
| Texas ratio (gross) | 1.82% | 1.03% | +0.79 pts | See points |
| Texas ratio (adjusted) | 1.82% | 1.03% | +0.79 pts | See points |
| Texas ratio (adjusted, with performing restructured) | Not reported | Not reported | Not reported | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 11.00% | 10.56% | +0.44 pts | See points |
| Construction and land loans to total capital | 84.24% | 86.10% | -1.86 pts | See points |
| Commercial real estate to total capital | 192.23% | 199.71% | -7.48 pts | See points |
| Dividend payout, year to date | 14.61% | 19.83% | -5.22 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -1.47% | -1.68% | +0.21 pts | See points |
| Liquidity | ||||
| Core deposits | $745.9M | $746.1M | -$217K | -0.0% |
| Non-core funding | $85.6M | $87.9M | -$2.3M | -2.6% |
| Loans to core deposits | 104.83% | 102.37% | +2.46 pts | See points |
| Loans to deposits | 95.18% | 91.58% | +3.60 pts | See points |
| Brokered deposits share of deposits | 1.22% | 3.08% | -1.86 pts | See points |
| Pledged securities share of securities | 21.37% | 22.58% | -1.21 pts | See points |
| Loans pledged, share of loans | 9.89% | 9.93% | -0.04 pts | See points |
| Volatile liabilities | $85.6M | $87.9M | -$2.3M | -2.6% |
| Earnings | ||||
| Earnings before provision, year to date | $10.8M | $4.2M | +$6.6M | +157.6% |
| Earnings before provision, single quarter | $6.6M | $4.2M | +$2.4M | +57.6% |
| Provision for credit losses, year to date | $840K | $335K | +$505K | +150.7% |
| Yield and cost | ||||
| Yield on loans and leases | 6.30% | 6.30% | +0.00 pts | See points |
| Yield on interest-bearing balances due from banks | 4.09% | 3.23% | +0.86 pts | See points |
| Total interest income to average assets | 5.58% | 5.53% | +0.05 pts | See points |
| Cost of interest-bearing transaction accounts | 1.90% | 2.19% | -0.29 pts | See points |
| Cost of savings and money market deposits | 1.28% | 1.17% | +0.11 pts | See points |
| Cost of time deposits | 3.55% | 3.54% | +0.01 pts | See points |
| Total interest expense to average assets | 1.69% | 1.74% | -0.05 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $942M | $831M | $783M | 1.76% | 16.70% | 4.16% |
| 2026-06-30 | $939M | $821M | $774M | 1.80% | 17.31% | 4.07% |
| 2026-03-31 | $938M | $834M | $756M | 1.32% | 13.02% | 4.00% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| VA | $789.4M | 0.24% | 39 | Continuing · +0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.