Blue Ridge Bank and Trust Co.: Peer Group Comparison
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Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Blue Ridge Bank and Trust Co. of Independence, MO against its peer group of 2660 similarly-sized US banks as of Q2 2026. The peer group is every US bank in the same asset tier (banks with $100M to $1B in assets). The credit quality page compares against a shorter list, the 10 nearest banks by size in the same tier, so its peer medians can differ from the ones here. For each metric the bank's value is shown next to the peer-group median and the bank's percentile within the group, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Best quarter means the bank is among the strongest 25% of its peers on that measure.
How to read the peer columns: Peer median is the middle bank of the peer group. The percentile is the share of the other banks in the group with a lower value, so a high percentile is good for return on assets and bad for the efficiency ratio. The tag says which it is: better half or worse half, with the best and worst quarters marked. Measures with no better direction, such as loans to deposits and growth, carry no tag.
Profitability
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| ROAA | 1.51% | 1.28% | +0.23% | 63rd better half |
| ROAE | 15.62% | 12.51% | +3.11% | 69th better half |
| Net Interest Margin | 4.05% | 3.95% | +0.10% | 55th better half |
| Efficiency Ratio | 56.53% | 61.08% | -4.55% | 36th better half |
| PPNR / Avg Assets | 1.99% | 1.60% | +0.39% | 71st better half |
| Yield on Earning Assets | 5.69% | 5.60% | +0.09% | 54th |
| Cost of Funds | 1.77% | 1.80% | -0.03% | 48th better half |
| Net Interest Spread | 3.34% | 3.33% | +0.01% | 50th better half |
Asset Quality
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| NPL / Total Loans | 0.13% | 0.42% | -0.29% | 28th better half |
| NPA / Total Assets | 0.10% | 0.32% | -0.22% | 29th better half |
| NCO / Avg Loans | 0.03% | 0.00% | +0.03% | 71st worse half |
| ACL / Total Loans | 1.65% | 1.19% | +0.46% | 86th |
| ACL / NPLs (Coverage) | 1267.01% | 219.62% | +1047.39% | — |
| Texas Ratio | 0.90% | 2.65% | -1.75% | 30th better half |
| Provision / NCO | 0.00% | 147.12% | -147.12% | 14th |
| CRE / Total Capital | 310.92% | 119.44% | +191.48% | 94th worst quarter |
Capital Adequacy
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| CET1 Ratio | 11.62% | 15.12% | -3.50% | 13th worst quarter |
| Tier 1 Ratio | 11.62% | 15.13% | -3.51% | 13th worst quarter |
| Total Capital Ratio | 12.87% | 16.26% | -3.39% | 15th worst quarter |
| Leverage Ratio | 10.03% | 10.99% | -0.96% | 32nd worse half |
| Equity / Assets | 9.89% | 10.39% | -0.50% | 42nd worse half |
| TCE / Tangible Assets | 9.89% | 10.10% | -0.21% | 47th worse half |
Liquidity & Funding
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Loan / Deposit | 93.15% | 80.60% | +12.55% | 78th |
| Core Deposit Ratio | 92.65% | 89.07% | +3.58% | 72nd better half |
| Borrowings / Total Assets | 4.73% | 3.57% | +1.16% | 60th worse half |
Growth & Management
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 6.04% | 4.51% | +1.53% | 61st |
| Loan Growth (Y/Y) | 7.08% | 5.47% | +1.61% | 59th |
| Deposit Growth (Y/Y) | 3.42% | 4.05% | -0.63% | 45th |
See Blue Ridge Bank and Trust Co.'s peers by name
The 2660 banks in this peer group, by name · build custom peer groups · percentile history · watchlist alerts
Unlock this 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 and Trust Co. profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Blue Ridge Bank and Trust Co. peer analysis.