# BANK OF BOTETOURT
BUCHANAN, VA · FDIC certificate 6137 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $939.4M | |
| Deposits | $821.5M | |
| Loans and leases | $783.2M | |
| Total equity | $101.0M | |
| Loans / deposits | 94.26% (p80 of band) | 82.04% |
| Liquid assets / assets | 12.88% (p11 of band) | |
| Uninsured deposits / deposits | 13.47% (p9 of band) | 25.97% |
| Brokered deposits | 1.06% | |
| Wholesale funding | 2.13% (p42 of band) | |
| FHLB advances / assets | 1.06% | |
| Tier 1 leverage | 11.00% (p55 of band) | 10.81% |
| Unrealized securities loss / equity | -1.49% (p83 of band) | -8.10% |
| AOCI / equity | 0.11% (p85 of band) | |
| ROA (annualized) | 1.80% (p80 of band) | 1.28% |
| Net interest margin | 4.07% (p59 of band) | 3.91% |
| Efficiency ratio | 52.95% (p24 of band) | |
| Noncurrent loans | 0.25% (p37 of band) | 0.43% |
| Net charge-offs (annualized) | 0.04% (p74 of band) | |
| Reserve coverage of noncurrent | 445.84% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 93.85% (p84 of band) | |
| Auto loans | $11.1M (1.42% of loans; DQ 1.19%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 4.1% | |
| Employees | 142 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 4 | charge-offs p90 |  |
| 2011-09 | 5 | capital falling |  |
| 2011-12 | 5 |  |  |
| 2012-03 | 2 |  | losing money, charge-offs p90, capital falling |
| 2012-06 | 3 | uninsured deposits leaving |  |
| 2012-09 | 3 | deposits shrinking | uninsured deposits leaving |
| 2012-12 | 3 |  |  |
| 2013-03 | 2 | charge-offs p90 | construction >100% equity, deposits shrinking |
| 2013-06 | 1 |  | charge-offs p90 |
| 2013-09 | 0 |  | reserve under noncurrent |
| 2013-12 | 1 | reserve under noncurrent |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 2 | charge-offs p90 |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 3 | liquid assets <10% |  |
| 2016-03 | 3 | capital falling, noncurrent p90 | charge-offs p90, liquid assets <10% |
| 2016-06 | 2 |  | noncurrent p90 |
| 2016-09 | 2 | charge-offs p90 | capital falling |
| 2016-12 | 2 | liquid assets <10% | charge-offs p90 |
| 2017-03 | 1 |  | liquid assets <10% |
| 2017-06 | 1 | capital falling | reserve under noncurrent |
| 2017-09 | 3 | liquid assets <10%, construction >100% equity |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 4 | reserve under noncurrent |  |
| 2018-06 | 3 |  | liquid assets <10% |
| 2018-09 | 3 | liquid assets <10% | capital falling |
| 2018-12 | 1 |  | construction >100% equity, reserve under noncurrent |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | capital falling |  |
| 2019-09 | 1 |  | capital falling |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 | capital falling | liquid assets <10% |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | charge-offs p90 |  |
| 2022-06 | 1 | capital falling | charge-offs p90 |
| 2022-09 | 0 |  | capital falling |
| 2022-12 | 0 |  |  |
| 2023-03 | 1 | uninsured deposits leaving |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 | capital falling | uninsured deposits leaving |
| 2024-03 | 1 |  |  |
| 2024-06 | 0 |  | capital falling |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | capital falling |  |
| 2025-06 | 0 |  | capital falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-10 [Bank of Botetourt Buchanan VA's Dividend Analysis - Yahoo Finance](https://news.google.com/rss/articles/CBMiowFBVV95cUxPTC16bl9XS3NxblpIVmZESXJYWkx2cV9uYVZscjVIWms0QXZ4Wi0yUHdkRmxDeFY4NlZISW1KbHRZSmx4NUg5NnF4X0ZWZ1pCanpSSUpzS3Y3NE52SnhsQzc4aW1FUEcwb3ZsVmZHR1J1M3JOYUJQc3AzaTVYOXVrWElmOWpVYl9yaW5HbHRSM3lZNDJYbHZxS01pb3ZEVkxMTkdR?oc=5) · Yahoo Finance
- 2026-07-30 [Bank of Botetourt announces second quarter financial results and quarterly cash dividend - Eastern Progress](https://news.google.com/rss/articles/CBMi_wFBVV95cUxOdDd2OXB5UDltYm5YVGs3SVl2aHhsNFlEa1I1Ni1KZS1Ic2YyWEVWU3BqTEdsdHV2U2tDM2lLdDlVQnVrSzNDbEk4d25tQ1JlY09Gd1Q1cm1yUFB6WVQ3eFlWRkZnSG9lZExnSnNMRmg0Zk5DU3FkaW15N1RlTllBSi11dV9CNGNwdjRvVmVmYXpCcENvVklta19sS3BTUWppeWloYW1PQ3AtekVlczFLUjgxZlk5aXJXZGJKRUVQMHA2TlUtaFV3LUl0VzlWUVE1RXN0M1I4TWZrRE5laDRHaHpXMWpYX2JuOXpYYllzRk85bXRQUWlZdnNLZVo4Q3M?oc=5) · Eastern Progress
- 2025-04-04 [Bank of Botetourt CEO retires after nearly four decades at bank - Virginia Business](https://news.google.com/rss/articles/CBMimAFBVV95cUxPdmFwamdkX2l4V3NFWjMwV2c2OWdhOEtuVnROVmZUcWJPYXg0UmRDdU11cWNjaWlwcERnWXlfZFY4ejB5T0FobkFHSDIxaV9KSlpzM2IwSkFwZzdFTVNiUF8wekduRkRHUmd1QTNISXlGSXVzNFhyLU9iX1dtcnVJSzU4cXBuZ1AzZUlEX3BRWGd4WmFJRS1zNw?oc=5) · Virginia Business
- 2025-05-09 [Melrose Plaza’s Latest Addition: Bank of Botetourt Opens with Focus on Community Services - WSLS](https://news.google.com/rss/articles/CBMiywFBVV95cUxPWVFKZmhScTIyOHBkaWlvYjEtbFlSbXFMV1hKUDNFZWZjV201WHR2TkxBdFoyS1B5S3ZZUGhQbzR3c1l5TWZhVEs4blBPSU9TZjRySkZ4MEt5cUlJQnVBWDNwd2hBLXVxbGY5bGhNMjhBcE9sdndTUUhLeU82dUJiTjJKMWM4OXJrQUx6OFVXWV9HNnNpSlJmYnJZRVlXeEo5X1ZoSUZSRjJRWGVVTTI0RnhDUkZZSkR0R0FrN09CNzNPcUFESzB5RC0tWQ?oc=5) · WSLS
- 2024-10-09 [Bank Of Botetourt Marks Anniversary - thenews-gazette.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxORFhESi1nbjRZTEotcnQ3VDdWaFpzM29sYWF2eXhrTVJzTEZBa254ak9XTTdMZi1kMFNYTUt2UUxRMV9KRFRPdmFUcmFRTDRSVjdYRW00djNZLU1PdWFBUG1uSWU0dGtUUWI5ZURaVE83WDJKN3p5TlRhbEoxdmdPYjdaY3JPeGc?oc=5) · thenews-gazette.com
- 2023-03-17 [Alumni News - March - Roanoke College](https://news.google.com/rss/articles/CBMiYEFVX3lxTE5TMHg3dTlTSzB5LXRBQ1hURXFSUmx6amNpU3dZeTlJbjh2UG43d3ZwRk1JN2VLODZFS0psYjFnSERpQl9zdXVVaUhTcmVZZkdFak1ZNDZKckpzUEtTcE9tYw?oc=5) · Roanoke College
- 2025-04-25 [Bank Of Botetour (BORT) Stock Price, News & Analysis - Stock Titan](https://news.google.com/rss/articles/CBMiU0FVX3lxTE5IeDBTOUxEY0ktVUk0N3Z0NkJVMmU0WGo4M2FTaWJySHJHV2JRbldKMWFlRzFKMXp5T0JYYWw3SGdZTU90X0x0ekFnWmlTbUJuREdR?oc=5) · Stock Titan
- 2023-05-25 [Bank of Botetourt Elected Joyce R. Kessinger as Chair - citybiz](https://news.google.com/rss/articles/CBMilgFBVV95cUxNMG1WWkFUYWg5ZERiUEpoVU5xZllEek5IRGJwQ1Jkbzg4bkp5NXd4VGcyaDY1U3I5RGNXSm1keGZ1cnVBMU9NTFJzVXBQdVVkeGo3czFNY3p2djBWQ3ppU3N2VHowNUNlTmF5cE92bkJyN3NVTldLLVpob0s3OEtOTldZTjNrYkw1YmZHNDBLWHlidFAxNkE?oc=5) · citybiz

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=6137 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/57.json (key "6137", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide