Blue Ridge Bank
Walhalla, SC · Cert 17773 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Blue Ridge Financial Corp.
State charter, non-member · FDIC · 6 branches
Q2 2026
$199.4MAssets
$136.1MLoans
$181.8MDeposits
$17.1MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 743).
- Widest gap: efficiency ratio trails 89% of banks under $1B in assets operating in a single state (rank 665 of 746).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.53%
Rank 627 of 746
Net Interest Margin
4.41%
Rank 118 of 746
Efficiency Ratio
85.04%
Rank 665 of 746
Equity / Assets
8.57%
Rank 596 of 746
Non-interest income vs. expense
Unfavorable gap of $7.3M · efficiency ratio beats 11% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.53% | 0.72% | 1.06% | 1.45% | Beats 16% | 627 / 746 | | |
| Return on Equity | 6.14% | 6.74% | 10.51% | 13.63% | Beats 22% | 580 / 746 | | |
| Net Interest Margin | 4.41% | 3.17% | 3.68% | 4.16% | Beats 84% | 118 / 746 | | |
| Efficiency Ratio | 85.04% | 55.74% | 64.58% | 75.47% | Beats 11% | 665 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.07% | Beats 100% | 105 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 74% | 198 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 14.60% | 11.55% | 13.75% | 17.60% | Beats 57% | 319 / 746 | | |
| Total Risk-Based Capital Ratio | 15.86% | 11.71% | 14.33% | 18.43% | Beats 62% | 284 / 746 | | |
| Equity / Assets | 8.57% | 8.90% | 10.51% | 13.06% | Beats 20% | 596 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 74.86% | 61.31% | 78.27% | 90.78% | 44th pctl | 418 / 746 | | |
| Loans / Assets | 68.24% | 53.60% | 66.97% | 76.08% | 53rd pctl | 351 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |