Blue Ridge Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Construction concentration (tier 1 capital + allowance) dropped 2.01 percentage points in Q2 2026, from 44.62% to 42.61%. It was the largest change from Q1 2026 among the key lines here. Blue Ridge Bank ranks 25th of 44 South Carolina banks on loan-to-deposit ratio, in the lower half at 74.86% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Blue Ridge Bank sits 5.98 points lower, at 74.86% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $136.1M |
| Net loans and leases | $133.9M |
| Loans held for sale | $0 |
| Loans to total assets | 68.24% |
| Loan-to-deposit ratio | 74.86% |
| Net loans to equity capital | 7.83% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 14.54% |
| Multifamily (5+ residential) | 2.99% |
| Commercial and industrial | 6.33% |
| Consumer | 2.26% |
| Credit cards | 0.00% |
| Farm | 0.91% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 78.56% |
| Construction concentration (Tier 1 capital + allowance) | 42.61% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.02% |
| Interest income on loans | $2.0M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $116.2M | $148.3M | 21.92% | 5.56% | 2.78% |
| Q4 2023 | $120.2M | $154.3M | 22.54% | 4.96% | 2.65% |
| Q1 2024 | $122.0M | $157.2M | 23.82% | 4.89% | 2.78% |
| Q2 2024 | $126.2M | $160.0M | 23.52% | 5.07% | 2.70% |
| Q3 2024 | $129.1M | $159.7M | 16.86% | 5.37% | 2.66% |
| Q4 2024 | $130.0M | $168.0M | 16.39% | 6.09% | 2.52% |
| Q1 2025 | $128.2M | $177.7M | 16.46% | 6.19% | 2.53% |
| Q2 2025 | $128.8M | $177.0M | 15.04% | 6.02% | 2.33% |
| Q3 2025 | $130.5M | $178.1M | 14.95% | 6.38% | 2.37% |
| Q4 2025 | $131.2M | $176.5M | 14.12% | 6.15% | 2.35% |
| Q1 2026 | $133.6M | $178.1M | 13.48% | 6.72% | 2.27% |
| Q2 2026 | $136.1M | $181.8M | 14.54% | 6.33% | 2.26% |
Blue Ridge Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Blue Ridge Bank, freeSource: Call Report Schedule RC-C, 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)