Side-by-side · Q2 2026 data
Bank of Botetourt vs Highlands Community Bank
Metric by metric
| Measure | Bank of Botetourt | Highlands Community Bank |
|---|---|---|
| TellerScore | 79 (stronger) | 57 |
| Capital cushion | 60 | 76 (stronger) |
| Loan quality | 92 (stronger) | 16 |
| Earnings | 92 (stronger) | 36 |
| Funding & liquidity | 66 | 97 (stronger) |
| Problem-loan coverage | 96 (stronger) | 81 |
| Peer percentile | 75th | 14th |
| Total assets | $939.4M | $188.9M |
| Deposits / shares | $821.5M | $167.3M |
| Capital ratio | 11.00% | 12.63% (stronger) |
| Problem loans | 0.25% (stronger) | 2.51% |
| Net charge-offs | 0.05% (stronger) | 0.27% |
| Return on assets | 1.80% (stronger) | 0.39% |
| Loans ÷ deposits | 94.3% | 48.6% (stronger) |
| Uninsured deposits | 13.5% (stronger) | 18.1% |
| Offices | 14 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.3% | — |
Bank of Botetourt has the higher TellerScore (79 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Bank of Botetourt leads on 5 and Highlands Community Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.