PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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

5.20%Q2 ’245.22%Q2 ’254.85%Q2 ’26+17%-8%

Non-interest income vs. expense

3.68%Q2 ’243.20%Q2 ’252.57%Q2 ’26+6%-15%

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 -0.17%, down 50 bps year over year; NIM at 2.84%.
  • Asset quality: problem loans at 1.68% of loans (+47 bps YoY), with net charge-offs at 0.14%.
  • 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 (quarter, annualized)

-0.17%-50 bps YoY

Net Interest Margin (quarter, annualized)

2.84%-25 bps YoY

Efficiency Ratio (quarter, annualized)

83.18%-672 bps YoY

Tier 1 Leverage Ratio

11.23%-166 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.33%0.91%0.74%0.19%-0.17%-50 bps
Return on Equity2.75%7.10%5.80%1.69%-1.66%-441 bps
Net Interest Margin3.09%3.50%2.98%2.84%2.84%-25 bps
Efficiency Ratio89.91%76.50%78.13%93.97%83.18%-672 bps
Non-Interest Burden2.76%2.59%2.27%2.67%2.35%-41 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 / Loans0.09%-0.07%-0.07%-0.07%0.14%+5 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