Blue Ridge Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Blue Ridge Bank of Walhalla, SC against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.60% | 1.34% | -0.74% | 16th bottom |
| ROAE | 7.07% | 13.32% | -6.25% | 21st bottom |
| Net Interest Margin | 4.86% | 3.93% | +0.93% | 90th top |
| Efficiency Ratio | 82.31% | 61.14% | +21.17% | 12th bottom |
| PPNR / Avg Assets | 0.79% | 1.68% | -0.89% | 14th bottom |
| Yield on Earning Assets | 5.43% | 5.67% | -0.24% | 41st below |
| Cost of Funds | 0.58% | 1.88% | -1.30% | 98th top |
| Net Interest Spread | 4.20% | 3.32% | +0.88% | 89th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.03% | 0.94% | -0.91% | 81st top |
| NPA / Total Assets | 0.02% | 0.70% | -0.68% | 83rd top |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.60% | 1.28% | +0.32% | 84th top |
| ACL / NPLs (Coverage) | 5457.50% | 1537.84% | +3919.66% | — |
| Texas Ratio | 0.21% | 7.33% | -7.12% | 85th top |
| Provision / NCO | 7500.00% | 1393.70% | +6106.30% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.60% | 19.50% | -4.90% | 45th below |
| Tier 1 Ratio | 14.60% | 19.54% | -4.94% | 45th below |
| Total Capital Ratio | 15.86% | 20.62% | -4.76% | 46th below |
| Leverage Ratio | 9.19% | 12.14% | -2.95% | 15th bottom |
| Equity / Assets | 8.57% | 11.37% | -2.80% | 21st bottom |
| TCE / Tangible Assets | 8.57% | 11.09% | -2.52% | 24th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 74.86% | 80.64% | -5.78% | 62nd above |
| Core Deposit Ratio | 97.77% | 86.86% | +10.91% | 95th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.25% | 6.85% | -3.60% | 41st below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.67% | 7.90% | -2.23% | 52nd above |
| Deposit Growth (Y/Y) | 2.71% | 6.29% | -3.58% | 41st below |
See Blue Ridge Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Blue Ridge Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Blue Ridge Bank profile, how to read a UBPR, or how this data updates.