Martinsville, VA · Cert 35274 · Blue Ridge Bankshares Inc.
National charter · OCC · 27 branches
Q2 2026
Market Position · Richmond, VA · 2026 SOD (annual) · 1.1% share · #10 of 30 inst. · $0.7B of $60.7B
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 | -0.22% | -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 Margin | 2.72% | 2.81% | 2.87% | 3.04% | 3.28% | 3.27% | 2.84% | 2.87% | -16 bps | |
| Efficiency Ratio | 108.17% | 108.74% | 97.64% | 93.69% | 87.56% | 85.44% | 93.97% | 88.71% | -497 bps | |
| Non-Interest Burden | 3.04% | 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 / Loans | 1.46% | 1.19% | 1.19% | 1.22% | 1.48% | 1.26% | 1.15% | 1.68% | +47 bps | |
| Net Charge-Offs / Loans | 0.49% | 0.47% | -0.02% | 0.04% | 0.00% | -0.02% | -0.07% | 0.03% | 0 bps | |
| Allowance / Loans | 1.16% | 1.07% | 1.11% | 1.10% | 1.06% | 1.03% | 1.05% | 1.19% | +9 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.9x | 0.9x | 0.9x | 0.7x | 0.8x | 0.9x | 0.7x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.56% | 11.80% | 12.33% | 12.89% | 13.67% | 13.04% | 11.01% | 11.23% | -166 bps | |
| Total Risk-Based Capital | 16.64% | 17.26% | 17.93% | 18.90% | 19.96% | 19.16% | 16.47% | 16.36% | -255 bps | |
| Equity / Assets | 10.82% | 11.29% | 11.67% | 12.36% | 13.15% | 12.50% | 10.33% | 10.64% | -172 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.25% | 96.50% | 95.76% | 97.37% | 97.59% | 97.20% | 92.90% | 97.99% | +62 bps | |
| Liquid Assets / Assets | 9.31% | 5.99% | 6.00% | 4.67% | 4.51% | 4.45% | 5.78% | 2.30% | -237 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 271% | 285% | 342% | n/a | n/a | |