Blue Ridge Bank and Trust Co.: Regulatory Capital and Risk-Weighted Assets
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As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 4.87% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 4.87% (RCOAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 11.62% +5.12 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $87.3M | 87,339 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $751.9M | 751,932 | RCOAA223 |
| Recomputed ratio | 11.62% | numerator / denominator | |
| Filed ratio | 11.62% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +5.12 pp | $38.5M | capital that could be lost first |
Tier 1 risk-based capital ratio 11.62% +3.62 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $87.3M | 87,339 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $751.9M | 751,932 | RCOAA223 |
| Recomputed ratio | 11.62% | numerator / denominator | |
| Filed ratio | 11.62% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +3.62 pp | $27.2M | capital that could be lost first |
Total risk-based capital ratio 12.87% +2.87 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $96.8M | 96,770 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $751.9M | 751,932 | RCOAA223 |
| Recomputed ratio | 12.87% | numerator / denominator | |
| Filed ratio | 12.87% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +2.87 pp | $21.6M | capital that could be lost first |
Tier 1 leverage ratio 10.03% +5.03 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $87.3M | 87,339 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $871.0M | 871,038 | RCOAA224 |
| Recomputed ratio | 10.03% | numerator / denominator | |
| Filed ratio | 10.03% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +5.03 pp | $43.8M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 17,330 | 17,330 | 17,330 | 17,330 | 17,330 | 17,330 | RCOAP742 |
| Retained earnings | 70,009 | 66,976 | 64,341 | 62,006 | 59,523 | 58,676 | RCOAKW00 |
| Accumulated other comprehensive income | (1,654) | (1,882) | (1,305) | (1,816) | (2,602) | (3,227) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 85,685 | 82,424 | 80,366 | 77,520 | 74,251 | 72,779 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 1,654 | 1,882 | 1,305 | 1,816 | 2,602 | 3,227 | P859 - P840 |
| Common equity Tier 1 capital | 87,339 | 84,306 | 81,671 | 79,336 | 76,853 | 76,006 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 87,339 | 84,306 | 81,671 | 79,336 | 76,853 | 76,006 | RCOA8274 |
| Tier 2 capital | 9,431 | 8,854 | 8,883 | 8,963 | 9,027 | 8,951 | RCOA5311 |
| Allowance includable in Tier 2 capital | 9,431 | 8,854 | 8,883 | 8,963 | 9,027 | 8,951 | RCOA5310 |
| Total capital | 96,770 | 93,160 | 90,554 | 88,299 | 85,880 | 84,957 | RCOA3792 |
| Total risk-weighted assets | 751,932 | 705,131 | 708,029 | 714,630 | 719,960 | 714,388 | RCOAA223 |
| Average total assets for the leverage ratio | 871,038 | 870,192 | 829,105 | 823,724 | 827,081 | 824,584 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $59.5M | $1.3M | 2.26% | 0.18% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $123.3M | $14.7M | 11.95% | 1.95% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $37.2M | $16.2M | 43.53% | 2.15% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $33.3M | $22.3M | 67.03% | 2.96% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $867K | $1.3M | 150.00% | 0.17% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $631.0M | $631.0M | 100.00% | 83.63% | RC-R Part II, item 4.d, 5.d |
| All other assets | $31.8M | $30.6M | 96.30% | 4.06% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $37.4M | $37.0M | 98.84% | 4.90% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $900 | NA | 0.00% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $754.5M | ties to item 31 ($754.5M) |
|---|---|---|
| Risk-weighted assets before deductions | $754.5M | RCONB704 |
| Less: excess allowance for credit losses | $2.6M | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $751.9M | RCONG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 11.62% | 11.62% | 12.87% | 10.03% | 15.12% | 15.13% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 11.96% | 11.96% | 13.21% | 9.69% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 11.54% | 11.54% | 12.79% | 9.85% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 11.10% | 11.10% | 12.36% | 9.63% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 10.67% | 10.67% | 11.93% | 9.29% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 10.64% | 10.64% | 11.89% | 9.22% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 10.48% | 10.48% | 11.73% | 9.14% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 10.24% | 10.24% | 11.49% | 9.02% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 10.09% | 10.09% | 11.34% | 8.80% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 9.87% | 9.87% | 11.13% | 8.66% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 9.95% | 9.95% | 11.20% | 8.50% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 9.84% | 9.84% | 11.09% | 8.36% | 14.65% | 14.67% | 15.79% | 10.60% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Blue Ridge Bank and Trust Co. (this bank) | Risk-based | 11.62% | 11.62% | 12.87% | 10.03% | |
| Fieldpoint Private Bank & Trust | $867.1M | Risk-based | 10.09% | 10.09% | 11.18% | 6.62% |
| Legacy Bank | $865.0M | Risk-based | 11.30% | 11.30% | 12.49% | 10.55% |
| Resource Bank, N.A. | $868.6M | Risk-based | 13.46% | 13.46% | 14.55% | 8.52% |
| Liberty Bank for Savings | $868.6M | Risk-based | 60.82% | 60.82% | 61.63% | 24.01% |
| Bayvanguard Bank | $868.7M | Risk-based | 22.40% | 22.40% | 23.34% | 17.13% |
| First National Bank North | $864.3M | Risk-based | 18.13% | 18.13% | 19.39% | 12.14% |
| Bank of San Francisco | $863.6M | Risk-based | 14.36% | 14.36% | 15.61% | 10.92% |
| Western Commerce Bank | $863.5M | Risk-based | 21.03% | 21.03% | 22.28% | 8.82% |
| Farmers & Merchants Bank | $862.0M | CBLR | NA | NA | NA | 9.74% |
| Hawaii National Bank | $871.7M | Risk-based | 17.74% | 17.74% | 18.99% | 11.02% |
| Peer 25th percentile | 13.46% | 13.46% | 14.55% | 9.05% | ||
| Peer median | 17.74% | 17.74% | 18.99% | 10.73% | ||
| Peer 75th percentile | 21.03% | 21.03% | 22.28% | 11.86% | ||
| This bank's percentile | 22 | 22 | 22 | 40 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/935250/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.