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
Unfavorable gap of $60.4M · efficiency ratio beats 2% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.01% | 0.93% | 1.26% | 1.54% | Beats 2% | 173 / 176 | | |
| Return on Equity | 0.11% | 9.26% | 11.89% | 14.46% | Beats 2% | 173 / 176 | | |
| Net Interest Margin | 2.87% | 3.25% | 3.59% | 3.93% | Beats 10% | 159 / 176 | | |
| Efficiency Ratio | 89.77% | 52.79% | 59.55% | 67.66% | Beats 2% | 173 / 176 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.68% | 0.30% | 0.64% | 1.32% | Beats 13% | 154 / 176 | | |
| Net Charge-Offs / Loans | 0.27% | 0.01% | 0.04% | 0.10% | Beats 9% | 162 / 176 | | |
| Capital |
| Tier 1 Capital Ratio | 15.10% | 11.15% | 12.72% | 14.15% | Beats 84% | 29 / 176 | | |
| Total Risk-Based Capital Ratio | 16.36% | 11.81% | 13.63% | 15.33% | Beats 85% | 26 / 176 | | |
| Equity / Assets | 10.64% | 9.16% | 10.35% | 11.80% | Beats 55% | 80 / 176 | | |
| Liquidity & Funding |
| Loans / Deposits | 97.99% | 80.94% | 89.73% | 97.21% | 79th pctl | 37 / 176 | | |
| Loans / Assets | 80.24% | 69.25% | 75.12% | 80.82% | 72nd pctl | 50 / 176 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |