Bank of Botetourt
Buchanan, Virginia · $939M in assets · beside the 11 other Virginia banks between $300M and $1B
The filing
Bank of Botetourt is the third largest of the 12 Virginia banks nearest its size between $300M and $1B, with $939M in assets at 30 June 2026. Loans are 95.3% of deposits, 9th of 12 against a median of 85.7%, and equity is 10.8% of assets, 5th of 12. Loans grew +10.2% in the year, 3rd of 12, and deposits grew 4.1%; the cohort's median loan growth is +7.2%.
Noncurrent loans are 0.25% of the book, 8th of 12 against a median of 0.22%; 0.76% is 30 to 89 days past due, and the allowance covers them 4.5 times. Commercial real estate is 27.6% of loans, 7th of 12 against a median of 24.6%, and 209% of capital, below the 300% screen, with construction at 91% against the 100% screen.
Return on assets is 1.78%, 5th of 12 against a median of 1.42%, on an efficiency ratio of 52.9%, 4th of 12. Five years ago it was 1.11%. The question is which of these lines moves first over the next four quarters, and against which peer.
Commercial real estate against capital
| Bank of Botetourt | Rank | Cohort median | |
|---|---|---|---|
| Total CRE against capital, the 300% screen | 209% | 10th of 12 | 135% |
| Construction against capital, the 100% screen | 91% | 11th of 12 | 46% |
| Construction and land development, share of loans | 12.1% | 11th of 12 | 8.0% |
| Non-owner-occupied nonfarm nonresidential, share of loans | 11.9% | 7th of 12 | 11.6% |
| Total CRE, the guidance definition, share of loans | 27.6% | 7th of 12 | 24.6% |
| CRE growth over 36 months, the third prong | +46.0% | 7th of 12 | +40.9% |
Among its peers
| Institution | Assets | ROA | Efficiency | NPA / loans | Net charge-offs | Allowance / loans | Loans / deposits | Equity / assets |
|---|---|---|---|---|---|---|---|---|
| $966M | 0.9% | 60.2% | 0.01% | 0.00% | 0.9% | 56.5% | 8.7% | |
| $942M | 1.4% | 61.3% | 0.45% | 0.06% | 1.1% | 88.6% | 10.4% | |
| $939M | 1.8% | 52.9% | 0.25% | 0.05% | 1.1% | 95.3% | 10.8% | |
| $691M | 1.1% | 70.8% | 0.02% | -0.11% | 1.2% | 78.6% | 9.3% | |
| $670M | 3.7% | 36.3% | 0.08% | -0.01% | 1.4% | 55.0% | 20.9% | |
| $634M | 1.4% | 63.1% | 1.12% | 0.14% | 0.9% | 82.0% | 9.2% | |
| $578M | 2.1% | 46.9% | 0.23% | 0.00% | 1.3% | 59.4% | 14.4% | |
| $524M | 1.2% | 55.4% | 1.06% | 0.00% | 0.8% | 102.5% | 8.3% | |
| $516M | 2.2% | 54.1% | 0.21% | -0.01% | 1.3% | 88.8% | 10.4% | |
| $398M | 0.9% | 69.7% | 0.11% | 0.33% | 1.0% | 97.0% | 10.1% | |
| $375M | 1.0% | 71.9% | 0.59% | 0.52% | 0.6% | 82.9% | 10.8% | |
| $372M | 2.7% | 44.9% | 0.03% | -0.04% | 0.8% | 97.9% | 11.7% |
| Bank of Botetourt | Cohort median | |||||
|---|---|---|---|---|---|---|
| 2021 | 2026 | Change | 2021 | 2026 | Change | |
| Loans | $458M | $783M | +71% | $262M | $400M | +52% |
| Deposits | $581M | $821M | +41% | $410M | $487M | +19% |
| NPA / loans | 0.50% | 0.25% | -0.24 pts | 0.51% | 0.22% | -0.29 pts |
| Efficiency | 61.8% | 52.9% | -8.9 pts | 69.9% | 57.8% | -12.1 pts |
| ROA | 1.11% | 1.78% | +0.67 pts | 0.91% | 1.42% | +0.52 pts |
This read was prepared for Bank of Botetourt's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.
The full pack on Bank of Botetourt is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.
Ask for the packPrepared 7 September 2026
Filing 30 June 2026
Cohort VA banks $300M to $1B
Institution www.bankofbotetourt.com
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