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Blue Ridge Bank, National Association

Martinsville, VA · Cert 35274 · Blue Ridge Bankshares Inc.

National charter · OCC · 27 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating regionally3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

75

Q2 2024Q2 2026peer median (50)

Asset Quality

11

Q2 2024Q2 2026peer median (50)

Profitability

5

Q2 2024Q2 2026peer median (50)

Liquidity

37

Q2 2024Q2 2026peer median

Efficiency

2

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Blue Ridge Bank, National Association

Martinsville, VA · Cert 35274 · Blue Ridge Bankshares Inc.

National charter · OCC · 27 branches

Q2 2026

$2.3BAssets
$1.9BLoans
$1.9BDeposits
$245.8MEquity
Loan mix
84%RE $1.5B14%C&I $0.3B2%Consumer $0.0BQ3 2024Q2 2026
Deposit mix
78%Interest-bearing $1.5B22%Noninterest $0.4BQ3 2024Q2 2026

Market Position · Richmond, VA · 2026 SOD (annual) · 1.1% share · #10 of 30 inst. · $0.7B of $60.7B

4.8% Henrico
41.6% Page
24.9% Lancaster
29.2% Louisa

Executive Summary

  • Earnings: ROA of 0.01%, down 18 bps year over year; NIM at 2.87%.
  • Asset quality: problem loans at 1.68% of loans (+47 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 11.23%, down 166 bps from a year ago.
  • Funding: loans stand at 97.99% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.01%-18 bps YoY

Net Interest Margin (YTD, annualized)

2.87%-16 bps YoY

Efficiency Ratio (YTD, annualized)

88.71%-497 bps YoY

Tier 1 Leverage Ratio

11.23%-166 bps YoY

NIM

5.32%Q2 ’245.27%Q2 ’254.89%Q2 ’26+14%-5%

Non-interest income vs. expense

3.87%Q2 ’243.27%Q2 ’252.81%Q2 ’26-1%-11%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.22%-0.21%0.07%0.20%0.42%0.50%0.19%0.01%-18 bps
Return on Equity-2.63%-2.36%0.58%1.67%3.51%4.11%1.69%0.11%-156 bps
Net Interest Margin2.72%2.81%2.87%3.04%3.28%3.27%2.84%2.87%-16 bps
Efficiency Ratio108.17%108.74%97.64%93.69%87.56%85.44%93.97%88.71%-497 bps
Non-Interest Burden3.04%3.14%2.82%2.84%2.84%2.76%2.67%2.54%-30 bps
Growth
Asset Growth (YoY)-9.44%-11.95%-12.49%-12.89%-15.17%-11.41%-10.22%-8.97%+392 bps
Loan Growth (YoY)-12.46%-13.50%-14.23%-13.95%-12.57%-12.24%-11.97%-6.91%+704 bps
Deposit Growth (YoY)-14.04%-13.70%-11.97%-13.85%-17.36%-12.87%-9.26%-7.49%+636 bps
Asset Quality
Nonperforming Loans / Loans1.46%1.19%1.19%1.22%1.48%1.26%1.15%1.68%+47 bps
Net Charge-Offs / Loans0.49%0.47%-0.02%0.04%0.00%-0.02%-0.07%0.03%0 bps
Allowance / Loans1.16%1.07%1.11%1.10%1.06%1.03%1.05%1.19%+9 bps
Allowance Coverage of NPLs0.8x0.9x0.9x0.9x0.7x0.8x0.9x0.7x-0.2x
Capital
Tier 1 Leverage Ratio11.56%11.80%12.33%12.89%13.67%13.04%11.01%11.23%-166 bps
Total Risk-Based Capital16.64%17.26%17.93%18.90%19.96%19.16%16.47%16.36%-255 bps
Equity / Assets10.82%11.29%11.67%12.36%13.15%12.50%10.33%10.64%-172 bps
Liquidity & Funding
Loans / Deposits92.25%96.50%95.76%97.37%97.59%97.20%92.90%97.99%+62 bps
Liquid Assets / Assets9.31%5.99%6.00%4.67%4.51%4.45%5.78%2.30%-237 bps
CRE / Total Capitaln/an/an/an/a271%285%342%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Blue Ridge Bank, National Association

Martinsville, VA · Cert 35274 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Blue Ridge Bankshares Inc.

National charter · OCC · 27 branches

Q2 2026

$2.3BAssets
$1.9BLoans
$1.9BDeposits
$245.8MEquity

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 85% of banks $1B-$10B in assets operating regionally (rank 26 of 176).
  • Widest gap: efficiency ratio trails 98% of banks $1B-$10B in assets operating regionally (rank 173 of 176).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.01%

Rank 173 of 176

Net Interest Margin

2.87%

Rank 159 of 176

Efficiency Ratio

89.77%

Rank 173 of 176

Equity / Assets

10.64%

Rank 80 of 176

Non-interest income vs. expense

$6.5M$66.9MINCOMEEXPENSE
Unfavorable gap of $60.4M · efficiency ratio beats 2% of banks $1B-$10B in assets operating regionally
Bank 89.77%Peer median 59.6%Q4 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.01%0.93%1.26%1.54%Beats 2%173 / 176
Return on Equity0.11%9.26%11.89%14.46%Beats 2%173 / 176
Net Interest Margin2.87%3.25%3.59%3.93%Beats 10%159 / 176
Efficiency Ratio89.77%52.79%59.55%67.66%Beats 2%173 / 176
Asset Quality
Nonperforming Loans / Loans1.68%0.30%0.64%1.32%Beats 13%154 / 176
Net Charge-Offs / Loans0.27%0.01%0.04%0.10%Beats 9%162 / 176
Capital
Tier 1 Capital Ratio15.10%11.15%12.72%14.15%Beats 84%29 / 176
Total Risk-Based Capital Ratio16.36%11.81%13.63%15.33%Beats 85%26 / 176
Equity / Assets10.64%9.16%10.35%11.80%Beats 55%80 / 176
Liquidity & Funding
Loans / Deposits97.99%80.94%89.73%97.21%79th pctl37 / 176
Loans / Assets80.24%69.25%75.12%80.82%72nd pctl50 / 176
Brokered Deposits / Depositsn/aNot reported for this institution