BLUE RIDGE BANK AND TRUST CO.

INDEPENDENCE, MO | Medium | Est. Sept. 8, 1958, midnight | FDIC #17933 | RSSD #935250 | FDIC
Latest Report: 2025-12-31

BLUE RIDGE BANK AND TRUST CO. is amn medium FDIC-insured commercial bank headquartered in INDEPENDENCE, MO, established in Sept. 8, 1958, midnight. As of 2025-12-31, the bank reported total assets of $883M and total deposits of $740M. Profitability stands at 1.44% ROA and 15.66% ROE, with a net interest margin of 4.07%. The bank's CET1 capital ratio is 11.53%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.12% and a Texas Ratio of 0.84%. FDIC Certificate #17933.

Assets

$883M

Deposits

$740M

Loans

$625M

Equity

$80M

Profitability

Return on Assets (ROA) 1.44%
Return on Equity (ROE) 15.66%
Net Interest Margin (NIM) 4.07%
Yield on Assets 5.81%
Cost of Funds 1.83%

Asset Quality

NPL Ratio 0.12%
Net Charge-Off Ratio 0.14%
Texas Ratio 0.84%
NPA Ratio 0.09%
ACL / Loans 1.68%

Capital & Liquidity

CET1 Ratio 11.53%
Tier 1 Capital 11.53%
Total Capital Ratio 12.79%
Leverage Ratio 9.85%
Loan-to-Deposit 84.42%

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