Blue Ridge Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 13.9% higher than in Q1 2026, at -$1.1M. Blue Ridge Bank ranks 17th of 30 South Carolina banks on CET1 ratio, in the lower half at 14.60% (Q2 2026). Blue Ridge Bank reported 14.60% on CET1 ratio for Q2 2026, 0.47 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.60% |
| Tier 1 risk-based capital ratio | 14.60% |
| Total risk-based capital ratio | 15.86% |
| Tier 1 leverage ratio | 9.19% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $18.2M |
| Tier 1 capital | $18.2M |
| Total risk-based capital | $19.8M |
| Total equity capital | $17.1M |
| Risk-weighted assets | $124.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.57% |
| Tangible equity to tangible assets | 8.57% |
| Equity capital to average assets | 8.62% |
| Internal capital growth rate | 7.18% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.3M |
| Common stock surplus | $8.6M |
| Retained earnings | $7.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.1M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 13.81% | 13.81% | 15.06% | 9.84% | $113.2M |
| Q4 2023 | 13.46% | 13.46% | 14.71% | 9.48% | $115.8M |
| Q1 2024 | 13.40% | 13.40% | 14.65% | 9.46% | $118.3M |
| Q2 2024 | 14.10% | 14.10% | 15.35% | 9.46% | $114.7M |
| Q3 2024 | 14.73% | 14.73% | 15.98% | 9.59% | $113.2M |
| Q4 2024 | 14.28% | 14.28% | 15.54% | 9.28% | $116.9M |
| Q1 2025 | 14.50% | 14.50% | 15.76% | 9.09% | $117.0M |
| Q2 2025 | 14.72% | 14.72% | 15.97% | 8.95% | $117.2M |
| Q3 2025 | 14.83% | 14.83% | 16.08% | 9.03% | $118.7M |
| Q4 2025 | 14.65% | 14.65% | 15.90% | 9.01% | $120.8M |
| Q1 2026 | 14.89% | 14.89% | 16.14% | 9.26% | $120.4M |
| Q2 2026 | 14.60% | 14.60% | 15.86% | 9.19% | $124.8M |
Blue Ridge Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Blue Ridge Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Blue Ridge Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17773) · FFIEC NIC profile (RSSD 174321)