Bank of Botetourt: how it compares with its peers
Against 20 VA banks with half to twice its assets, Bank of Botetourt's strongest measure in Q2 2026 is efficiency ratio (52.95% vs. a 59.89% peer median). Its weakest relative measure is assets per employee ($6.6M vs. $6.8M).
| Measure | Bank of Botetourt | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.80% | 1.34% | Top third Ahead of 80% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.07% | 3.85% | Middle third Ahead of 55% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 52.95% | 59.89% | Top third Ahead of 85% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.6M | $6.8M | Middle third Ahead of 50% of peers |
| Loans to deposits Net loans and leases over total deposits. | 94.26% | 84.10% | Context |
What it means for lending operations
Its efficiency ratio of 52.95% is better than the 59.89% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- New Peoples Bank, Inc. Honaker, VA · $942M
- Oak View National Bank Warrenton, VA · $966M
- Bank of the James Lynchburg, VA · $1.03B
- The Freedom Bank of Virginia Fairfax, VA · $1.04B
- First National Bank Altavista, VA · $1.14B
- Trustar Bank Great Falls, VA · $1.14B
Questions about Bank of Botetourt
How big is Bank of Botetourt?
Bank of Botetourt, established in 1899, is headquartered in Buchanan, VA. It reported $939M in total assets in its Q2 2026 FDIC call report and operates 14 offices.
What is Bank of Botetourt's return on assets?
1.80% annualized in Q2 2026, against a 1.34% median for 20 VA banks with half to twice its assets, ahead of 80% of them.
What is Bank of Botetourt's efficiency ratio?
52.95% in Q2 2026: it spent about 53 cents in noninterest expense for each dollar of revenue. The peer median is 59.89%, and lower is better.
Is Bank of Botetourt growing its loans?
Net loans grew 10.2% over the year to Q2 2026, while deposits grew 4.1%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are VA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Virginia bank ranked.