Blue Ridge Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 62.50 percentage points in Q2 2026, from 5395.00% to 5457.50%. It was the largest change from Q1 2026 among the key lines here. Within South Carolina, Blue Ridge Bank is 35th of 44 on return on assets, 0.60% as of Q2 2026, below the middle of the field. Against a median of 1.25% for banks in the $100M-1B asset tier, Blue Ridge Bank reported 0.60% on return on assets in Q2 2026, 0.65 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.60% |
| Tier 1 risk-based capital ratio | 14.60% |
| Total risk-based capital ratio | 15.86% |
| Tier 1 leverage ratio | 9.19% |
| Equity capital to assets | 8.57% |
| Tangible equity to tangible assets | 8.57% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.03% |
| Non-performing assets ratio | 0.02% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.21% |
| Allowance for credit losses to loans | 1.60% |
| Reserve coverage of non-performing loans | 5457.50% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.60% |
| Return on equity | 7.07% |
| Net interest margin | 4.86% |
| Efficiency ratio | 82.31% |
| Yield on earning assets | 5.43% |
| Cost of funds | 0.58% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 74.86% |
| Core deposits to total deposits | 97.77% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 91.16% |
| Securities to assets | 15.39% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.81% | 13.81% | 15.06% | 9.84% | 0.68% |
| Q4 2023 | 13.46% | 13.46% | 14.71% | 9.48% | 0.35% |
| Q1 2024 | 13.40% | 13.40% | 14.65% | 9.46% | 0.64% |
| Q2 2024 | 14.10% | 14.10% | 15.35% | 9.46% | 0.76% |
| Q3 2024 | 14.73% | 14.73% | 15.98% | 9.59% | 1.14% |
| Q4 2024 | 14.28% | 14.28% | 15.54% | 9.28% | 0.51% |
| Q1 2025 | 14.50% | 14.50% | 15.76% | 9.09% | 0.58% |
| Q2 2025 | 14.72% | 14.72% | 15.97% | 8.95% | 0.57% |
| Q3 2025 | 14.83% | 14.83% | 16.08% | 9.03% | 0.72% |
| Q4 2025 | 14.65% | 14.65% | 15.90% | 9.01% | 0.63% |
| Q1 2026 | 14.89% | 14.89% | 16.14% | 9.26% | 0.47% |
| Q2 2026 | 14.60% | 14.60% | 15.86% | 9.19% | 0.60% |
Blue Ridge Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Blue Ridge Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)