TellerScore

Bank of Botetourt (FDIC certificate #6137) is based in Buchanan, Virginia. Its Q2 2026 call report shows $939.4M in total assets and $821.5M in deposits and 14 offices.

Bank of Botetourt has a TellerScore of 79 out of 100 (strong) based on Q2 2026 data — higher than 75% of its 2,650 banks with $100 million – $1 billion. Among 56 banks headquartered in Virginia, it ranks 11th. Problem-loan coverage contributes the most (96/100, 1.8%); capital cushion contributes the least (60/100, 11.00%).

TellerScore · Q2 2026

Scorecard

Capital cushion60/100
Tier 1 leverage ratio: 11.00%
Loan quality92/100
Noncurrent loans ÷ total loans: 0.25%
Earnings92/100
Return on assets (annualized): 1.80%
Funding & liquidity66/100
Loans ÷ deposits and uninsured-deposit share: 94.3% · 13.5% uninsured
Problem-loan coverage96/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.82%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 6 points (73 → 79), mostly because the earnings component improved by 24 points.

TellerScore
707579Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202470
Q3 202471
Q4 202471
Q1 202571
Q2 202573
Q3 202574
Q4 202575
Q1 202675
Q2 202679
Tier 1 leverage ratio
5.00%8.00%11.00%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.39%
Q3 202410.53%
Q4 202410.25%
Q1 202510.22%
Q2 202510.42%
Q3 202510.57%
Q4 202510.42%
Q1 202610.56%
Q2 202611.00%
Noncurrent loans
0.09%0.24%0.39%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.39%
Q3 20240.29%
Q4 20240.24%
Q1 20250.16%
Q2 20250.20%
Q3 20250.22%
Q4 20250.09%
Q1 20260.14%
Q2 20260.25%
Return on assets
0.95%1.37%1.80%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.01%
Q3 20241.00%
Q4 20240.98%
Q1 20250.95%
Q2 20251.20%
Q3 20251.23%
Q4 20251.22%
Q1 20261.32%
Q2 20261.80%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202679$939.4M11.00%0.25%1.80%94.3%
Q1 202675$938.0M10.56%0.14%1.32%90.6%
Q4 202575$925.5M10.42%0.09%1.22%91.1%
Q3 202574$898.8M10.57%0.22%1.23%93.5%
Q2 202573$886.3M10.42%0.20%1.20%89.0%
Q1 202571$865.4M10.22%0.16%0.95%88.8%
Q4 202471$859.2M10.25%0.24%0.98%87.3%
Q3 202471$818.0M10.53%0.29%1.00%91.9%
Q2 202470$794.3M10.39%0.39%1.01%91.5%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.00%
50th
Total risk-based capital0.00%
24th
Problem loans0.25%
61st
Net charge-offs0.05%
28th
Return on assets1.80%
80th
Net interest margin4.07%
58th
Efficiency ratio52.9%
77th
Loans to deposits94.3%
18th
Uninsured deposits13.5%
86th
Loan-loss reserves1.14%
43rd
Texas ratio1.8%
60th

Similar-size banks in Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
New Peoples Bank, Inc.Bank Honaker, VA76 out of 100, Strong$942.5M11.2%0.45%vs
Oak View National BankBank Warrenton, VA69 out of 100, Moderate$966.1M8.2%0.01%vs
TruPoint BankBank Grundy, VA77 out of 100, Strong$690.8M10.6%0.02%vs
The Bank of Southside VirginiaBank Carson, VA97 out of 100, Very strong$670.3M23.4%0.08%vs
The Bank of MarionBank Marion, VA71 out of 100, Strong$634.1M11.4%1.12%vs
Citizens Bank and Trust CompanyBank Blackstone, VA97 out of 100, Very strong$577.6M15.4%0.23%vs

Deposit insurance

Is my money safe at Bank of Botetourt?

Yes. Bank of Botetourt is an FDIC-insured institution (FDIC certificate #6137). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 13.5% of deposits ($110.7M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.00%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

14 locations

Branches

Bank of Botetourt lists 14 offices in 11 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Bank of Botetourt reported 206 home-loan applications under HMDA (LEI 549300VBSEU7L0HIUP28): 177 originated ($66,795,000 total), 8 denied, and 20 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Bank of Botetourt
Former names
Bank of Buchanan
Type
State-chartered bank
FDIC certificate #
6137
RSSD ID
759625
Primary regulator
FDIC
Established
September 27, 1899
Headquarters
19747 Main St, Buchanan, VA 24066
Employees
142

Quick answers

Bank of Botetourt: common questions

Is Bank of Botetourt FDIC insured?

Yes. Bank of Botetourt is an FDIC-insured institution (FDIC certificate #6137). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Bank of Botetourt's TellerScore?

79 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Bank of Botetourt ever failed?

There is no failure record for FDIC certificate #6137 in the FDIC failed bank list.

How many branches does Bank of Botetourt have?

14 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Buchanan

InstitutionScoreAssetsCapitalProblem loansCompare
High Street Baptist Church Federal Credit UnionCredit union Roanoke, VA92 out of 100, Very strong$2.5M14.7%0.00%vs
Roanoke Valley Community Federal Credit UnionCredit union Roanoke, VA89 out of 100, Very strong$107.4M16.3%0.34%vs
Jackson River Community Credit UnionCredit union Covington, VA87 out of 100, Very strong$132.6M15.9%1.41%vs
Blue Eagle Credit UnionCredit union Roanoke, VA84 out of 100, Strong$280.8M12.9%0.11%vs
City National Bank of West VirginiaBank Charleston, WV78 out of 100, Strong$6.8B9.6%0.22%vs
Carter Bank & TrustBank Martinsville, VA76 out of 100, Strong$4.8B11.7%1.01%vs