Blue Ridge Bank (Walhalla, SC)
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Data as of · sourced from FFIEC call reports. How we update
Blue Ridge Bank is an FDIC-insured commercial bank headquartered in Walhalla, SC, established in 1957 (FDIC certificate 17773), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $199.4M, up 3.3% from Q2 2025, the 32nd largest of 43 banks headquartered in South Carolina. Its CET1 capital ratio was 14.60% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 17773
- Headquarters
- Walhalla, SC
- Established
- 1957
- Total assets, Q2 2026
- $199.4M
- Assets vs Q2 2025
- +3.3%
- CET1 ratio, Q2 2026
- 14.60%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 053207669
- Latest call report
- Q2 2026, FFIEC 051 · Blue Ridge Bank call report
- Holding company
- BLUE RIDGE FINANCIAL CORPORATION
- Asset rank in state
- 32nd of 43 in South Carolina
Blue Ridge Bank, based in Walhalla, South Carolina, reported $199 million in assets at June 30, 2026, up 3.3% from a year earlier. It pays an average of 0.58% on its deposits and borrowings, about a third the median of 1.80% for the 2,660 banks with $100 million to $1 billion in assets. It also carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 2.6%).
Costs are the weak spot: it spends about 82 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, Blue Ridge Bank reported a CET1 capital ratio of 14.60%, a return on assets of 0.60%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Blue Ridge Bank ranks as the 32nd largest of the 43 banks based in South Carolina, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 2.2% to $199.4M, loans rose 1.9% and deposits rose 2.1%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 66.5% of total loans, followed by owner-occupied commercial real estate loans at 12.1%. Its 6 offices in the FDIC Summary of Deposits are in 5 cities in SC; its Walhalla 2 offices book 53% of its branch deposits. Judged on its Q2 2026 call report, Blue Ridge Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 100 E Main St, Walhalla, SC 29691
- County
- Oconee
- Metro Area
- Seneca, SC
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 17, 1957
- Former names
- Blue Ridge Bank of Walhalla (1968-2008)
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 49
- Domestic deposits
- $181.8M
- Allowance for credit losses
- $2.2M
- Net charge-offs (YTD)
- $1K
- Average total assets
- $198.3M
- Average total loans
- $134.1M
- Average interest-bearing deposits
- $85.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 17, 1957
- FDIC Cert
- 17773
- Fed RSSD
- 174321
- Website
- blueridge.bank →
- Parent Holding Company
- BLUE RIDGE FINANCIAL CORPORATION (RSSD 3614668)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Blue Ridge Bank's total assets ranged from $161.6M (Q3 2023) to $199.4M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$199.4M total assets against $193.2M; $182.4M total liabilities against $177.5M.
$133.9M net loans and leases against $126.8M; $181.8M total deposits against $177.0M.
$30.7M securities against $25.5M; $25.2M cash and balances due against $31.8M.
$2.5M total interest income against $2.4M; $262K total interest expense against $251K.
$2.2M net interest income against $2.2M.
$191K total noninterest income against $162K; $2.0M total noninterest expense against $1.9M.
$25K provision for credit losses against $75K.
$298K net income against $274K.
0.60% return on assets against 0.57%; 4.86% net interest margin against 4.78%.
14.60% CET1 capital ratio against 14.72%; 9.19% tier 1 leverage ratio against 8.95%.
Inside the full Blue Ridge Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBlue Ridge Bank rankings
Its closest position to the top of a national ranking is 974 of 2,134, for CET1 ratio; its furthest is 3,536 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.47% (Q1 2026) to 1.14% (Q3 2024) and its net interest margin ran from 4.72% (Q1 2025) to 4.93% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.60% | 0.60% | 0.00% | 0.00% | 4.86% |
| Q1 2026 | 14.89% | 0.47% | 0.00% | 0.00% | 4.85% |
| Q4 2025 | 14.65% | 0.63% | 0.22% | 1.56% | 4.78% |
| Q3 2025 | 14.83% | 0.72% | 0.20% | 1.40% | 4.92% |
| Q2 2025 | 14.72% | 0.57% | 0.04% | 0.26% | 4.78% |
| Q1 2025 | 14.50% | 0.58% | 0.03% | 0.24% | 4.72% |
| Q4 2024 | 14.28% | 0.51% | 0.03% | 0.24% | 4.82% |
| Q3 2024 | 14.73% | 1.14% | 0.00% | 0.00% | 4.93% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Blue Ridge Bank (main office) | Walhalla , SC | 29691 | $93.9M |
| Bountyland Road Branch | Seneca , SC | 29672 | $39.1M |
| Westminister Branch | Westminster , SC | 29693 | $18.4M |
| Easley Branch | Easley , SC | 29642 | $17.2M |
| Pickens Branch | Pickens , SC | 29671 | $11.1M |
| Walhalla Branch | Walhalla , SC | 29691 | $2.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in SC, rank 53 of 73 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Blue Ridge Bank
What are Blue Ridge Bank's total assets?
As of the Q2 2026 filing, Blue Ridge Bank reported total assets of $199.4 million in its FFIEC call report.
Where is Blue Ridge Bank headquartered?
It is headquartered in Walhalla, SC, United States.
When was Blue Ridge Bank founded?
It was established in 1957, per the FDIC institution directory.
Is Blue Ridge Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #17773). 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?
Blue Ridge Bank's primary federal regulator is the FDIC.
What is Blue Ridge Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.60% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Blue Ridge Bank operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Blue Ridge Bank's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Blue Ridge Bank previously called?
The charter now named Blue Ridge Bank has also operated as Blue Ridge Bank of Walhalla (1968-2008), per FDIC structure-change records.
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