BLUE RIDGE BANK AND TRUST CO.
BLUE RIDGE BANK AND TRUST CO. is an FDIC-insured commercial bank headquartered in INDEPENDENCE, MO, established in 1958. As of , 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 4.02%. CET1 capital ratio: 11.53%, well above regulatory minimums. NPL ratio: 1.35% · Texas Ratio: 9.27%. Operates 8 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
Blue Ridge Bank and Trust CO. rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 11.53% | 1.44% | 1.35% | 9.27% | 4.02% |
| 2025-09-30 | 11.10% | 1.29% | 1.39% | 9.74% | 3.83% |
| 2025-06-30 | 10.67% | 1.04% | 1.45% | 10.66% | 3.75% |
| 2025-03-31 | 10.64% | 1.13% | 0.17% | 1.26% | 3.58% |
| 2024-12-31 | 10.48% | 1.17% | 1.41% | 11.00% | 3.72% |
| 2024-09-30 | 10.24% | 1.31% | 0.19% | 1.48% | 3.72% |
| 2024-06-30 | 10.09% | 1.13% | 0.22% | 1.78% | 3.55% |
| 2024-03-31 | 9.87% | 1.01% | 0.19% | 1.55% | 3.32% |
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Frequently asked about BLUE RIDGE BANK AND TRUST CO.
What are Blue Ridge Bank and Trust CO.'s total assets?
As of the Q4 2025 filing, Blue Ridge Bank and Trust CO. reported total assets of $883.4 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Blue Ridge Bank and Trust CO. headquartered?
Blue Ridge Bank and Trust CO. is headquartered in INDEPENDENCE, MO, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Blue Ridge Bank and Trust CO. founded?
Blue Ridge Bank and Trust CO. was established in 1958, per the FDIC institution directory.
Is Blue Ridge Bank and Trust CO. FDIC-insured?
Yes. Blue Ridge Bank and Trust CO. is an FDIC-insured commercial bank (FDIC Certificate #17933). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Blue Ridge Bank and Trust CO.?
Blue Ridge Bank and Trust CO.'s primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Blue Ridge Bank and Trust CO.'s CET1 capital ratio?
Blue Ridge Bank and Trust CO. reported a Common Equity Tier 1 (CET1) capital ratio of 11.53% in its most recent quarterly filing — above regulatory minimums.
How many branches does Blue Ridge Bank and Trust CO. operate?
Blue Ridge Bank and Trust CO. operates 8 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Blue Ridge Bank and Trust CO.'s Texas Ratio?
Blue Ridge Bank and Trust CO.'s Texas Ratio is 9.27% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.