BLUE RIDGE BANK

WALHALLA, SC | Small | Est. June 17, 1957, midnight | FDIC #17773 | RSSD #174321 | FDIC
Latest Report: 2025-12-31

BLUE RIDGE BANK is asn small FDIC-insured commercial bank headquartered in WALHALLA, SC, established in June 17, 1957, midnight. As of 2025-12-31, the bank reported total assets of $194M and total deposits of $177M. Profitability stands at 0.63% ROA and 7.45% ROE, with a net interest margin of 4.83%. The bank's CET1 capital ratio is 14.65%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.22% and a Texas Ratio of 1.56%. FDIC Certificate #17773.

Assets

$194M

Deposits

$177M

Loans

$131M

Equity

$17M

Profitability

Return on Assets (ROA) 0.63%
Return on Equity (ROE) 7.45%
Net Interest Margin (NIM) 4.83%
Yield on Assets 5.45%
Cost of Funds 0.62%

Asset Quality

NPL Ratio 0.22%
Net Charge-Off Ratio 0.00%
Texas Ratio 1.56%
NPA Ratio 0.15%
ACL / Loans 1.61%

Capital & Liquidity

CET1 Ratio 14.65%
Tier 1 Capital 14.65%
Total Capital Ratio 15.90%
Leverage Ratio 9.01%
Loan-to-Deposit 74.31%

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