Walhalla, SC · Cert 17773 · Blue Ridge Financial Corp.
State charter, non-member · FDIC · 6 branches
Q2 2026
Market Position · Greenville-Anderson-Greer, SC · 2026 SOD (annual) · 0.1% share · #35 of 40 inst. · $0.0B of $26.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.84% | 0.76% | 0.57% | 0.57% | 0.63% | 0.63% | 0.47% | 0.54% | -4 bps | |
| Return on Equity | 10.01% | 9.04% | 7.14% | 7.12% | 7.69% | 7.63% | 5.45% | 6.25% | -87 bps | |
| Net Interest Margin | 4.46% | 4.37% | 4.43% | 4.41% | 4.41% | 4.38% | 4.46% | 4.41% | +1 bps | |
| Efficiency Ratio | 75.57% | 77.76% | 82.07% | 82.35% | 81.12% | 80.96% | 86.44% | 85.04% | +270 bps | |
| Non-Interest Burden | 3.26% | 3.30% | 3.57% | 3.57% | 3.51% | 3.47% | 3.81% | 3.70% | +13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.73% | 8.65% | 12.60% | 10.33% | 11.12% | 5.69% | 0.92% | 3.25% | -708 bps | |
| Loan Growth (YoY) | 11.06% | 8.11% | 5.10% | 2.08% | 1.10% | 0.93% | 4.20% | 5.67% | +359 bps | |
| Deposit Growth (YoY) | 7.71% | 8.87% | 13.00% | 10.65% | 11.54% | 5.10% | 0.22% | 2.71% | -794 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.03% | 0.03% | 0.04% | 0.20% | 0.22% | 0.00% | 0.00% | -4 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.03% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.38% | 1.39% | 1.47% | 1.52% | 1.56% | 1.61% | 1.62% | 1.60% | +8 bps | |
| Allowance Coverage of NPLs | n/a | 45.2x | 44.8x | 42.6x | 7.9x | 7.2x | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.59% | 9.28% | 9.09% | 8.95% | 9.03% | 9.01% | 9.26% | 9.19% | +24 bps | |
| Total Risk-Based Capital | 15.98% | 15.54% | 15.76% | 15.97% | 16.08% | 15.90% | 16.14% | 15.86% | -11 bps | |
| Equity / Assets | 8.81% | 8.12% | 7.93% | 8.09% | 8.39% | 8.61% | 8.51% | 8.57% | +48 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.84% | 77.38% | 72.15% | 72.76% | 73.27% | 74.31% | 75.01% | 74.86% | +210 bps | |
| Liquid Assets / Assets | 6.51% | 8.12% | 15.17% | 14.52% | 12.67% | 9.60% | 9.58% | 10.53% | -399 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 176.32% | 175.61% | 173.52% | n/a | n/a | |