Side-by-side · Q2 2026 data
Bank of Botetourt vs Carter Bank & Trust
Metric by metric
| Measure | Bank of Botetourt | Carter Bank & Trust |
|---|---|---|
| TellerScore | 79 (stronger) | 76 |
| Capital cushion | 60 | 67 (stronger) |
| Loan quality | 92 (stronger) | 66 |
| Earnings | 92 | 100 (stronger) |
| Funding & liquidity | 66 | 70 (stronger) |
| Problem-loan coverage | 96 (stronger) | 86 |
| Peer percentile | 75th | 80th |
| Total assets | $939.4M | $4.8B |
| Deposits / shares | $821.5M | $4.2B |
| Capital ratio | 11.00% | 11.73% (stronger) |
| Problem loans | 0.25% (stronger) | 1.01% |
| Net charge-offs | 0.05% | -0.82% (stronger) |
| Return on assets | 1.80% | 3.66% (stronger) |
| Loans ÷ deposits | 94.3% | 87.7% (stronger) |
| Uninsured deposits | 13.5% (stronger) | 17.7% |
| Offices | 14 | 66 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.3% | 28.0% |
Bank of Botetourt has the higher TellerScore (79 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Bank of Botetourt leads on 3 and Carter Bank & Trust on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.