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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 $0.0BQ2 2025Q2 2026
Deposit mix
78%Interest-bearing $1.5B22%Noninterest $0.4BQ2 2025Q2 2026

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%

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.

Financial Results

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

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.20%0.42%0.50%0.19%0.01%-18 bps
Return on Equity1.67%3.51%4.11%1.69%0.11%-156 bps
Net Interest Margin3.04%3.28%3.27%2.84%2.87%-16 bps
Efficiency Ratio93.69%87.56%85.44%93.97%88.71%-497 bps
Non-Interest Burden2.84%2.84%2.76%2.67%2.54%-30 bps
Growth
Asset Growth (YoY)-12.89%-15.17%-11.41%-10.22%-8.97%+392 bps
Loan Growth (YoY)-13.95%-12.57%-12.24%-11.97%-6.91%+704 bps
Deposit Growth (YoY)-13.85%-17.36%-12.87%-9.26%-7.49%+636 bps
Asset Quality
Nonperforming Loans / Loans1.22%1.48%1.26%1.15%1.68%+47 bps
Net Charge-Offs / Loans0.04%0.00%-0.02%-0.07%0.03%0 bps
Allowance / Loans1.10%1.06%1.03%1.05%1.19%+9 bps
Allowance Coverage of NPLs0.9x0.7x0.8x0.9x0.7x-0.2x
Capital
Tier 1 Leverage Ratio12.89%13.67%13.04%11.01%11.23%-166 bps
Total Risk-Based Capital18.90%19.96%19.16%16.47%16.36%-255 bps
Equity / Assets12.36%13.15%12.50%10.33%10.64%-172 bps
Liquidity & Funding
Loans / Deposits97.37%97.59%97.20%92.90%97.99%+62 bps
Liquid Assets / Assets4.67%4.51%4.45%5.78%2.30%-237 bps
CRE / Total Capitaln/a271%285%342%n/an/a