Blue Ridge Bank, N.A. (Martinsville, VA)
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Data as of · sourced from FFIEC call reports. How we update
Blue Ridge Bank, N.A. is an FDIC-insured commercial bank headquartered in Martinsville, VA, established in 2000 (FDIC certificate 35274), and it is supervised by the OCC. At Q2 2026 it reported total assets of $2.31B, down 9.0% from Q2 2025, the 14th largest of 56 banks headquartered in Virginia. Its CET1 capital ratio was 15.10% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 35274
- Headquarters
- Martinsville, VA
- Established
- 2000
- Total assets, Q2 2026
- $2.31B
- Assets vs Q2 2025
- -9.0%
- CET1 ratio, Q2 2026
- 15.10%
- Domestic offices
- 27 FDIC institution directory, current count
- Routing number
- 051402372
- Latest call report
- Q2 2026, FFIEC 051 · Blue Ridge Bank, N.A. call report
- Holding company
- BLUE RIDGE BANKSHARES, INC.
- Asset rank in state
- 14th of 56 in Virginia
Problem loans are rising at Blue Ridge Bank, N.A.. Based in Martinsville, Virginia, it had $2.3 billion in assets at June 30, 2026, down 9.0% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.67% of loans from 1.07% a year earlier. It loses about $0.17 a year on every $100 of assets, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median $1.29). It also spends about 83 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 58 cents).
It lost $1.0 million in the quarter. The commercial and industrial book ($268 million) is worsening: 7.76% of it is past due or on nonaccrual, up from 4.12% a year earlier. Credit is the area to watch: it carries problem assets equal to 12.1% of the capital and reserves that would absorb them, about triple the median of 3.6% for banks its size.
As of June 30, 2026, Blue Ridge Bank, N.A. reported a CET1 capital ratio of 15.10%, a return on assets of -0.17%, a nonperforming-loan ratio of 1.68% and a Texas ratio of 12.14%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Blue Ridge Bank, N.A. is the 14th largest of the 56 banks headquartered in Virginia. From Q1 2026 to Q2 2026, its total assets fell 3.6% to $2.31B, loans rose 1.1% and deposits fell 4.2%. 1-4 family residential loans made up 34.4% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 23.9%. Its 27 offices in the FDIC Summary of Deposits are in 25 cities across 2 states; its Richmond 3 offices book 24% of its branch deposits. Judged on its Q2 2026 call report, Blue Ridge Bank, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1 E Market St, Martinsville, VA 24112
- County
- Martinsville City
- Metro Area
- Martinsville, VA
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- July 24, 2000
- Former names
- River Community Bank, National Association (2008-2016)
- Domestic offices
- 27 FDIC institution directory, current count
- Employees (FTE)
- 254
- Domestic deposits
- $1.89B
- Allowance for credit losses
- $22.0M
- Net charge-offs (YTD)
- $305K
- Average total assets
- $2.38B
- Average total loans
- $1.83B
- Average interest-bearing deposits
- $1.45B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 24, 2000
- FDIC Cert
- 35274
- Fed RSSD
- 233527
- SEC CIK
- 842717 → filed by BLUE RIDGE BANKSHARES, INC.
- Website
- www.mybrb.com →
- Parent Holding Company
- BLUE RIDGE BANKSHARES, INC. (RSSD 1426960) · BRBS
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Harry W Golliday | CEO | Interim CEO and President |
| Gavant Judy Carol | CFO | EVP & Chief Financial Officer |
| Grace Vallacchi | CRO | Chief Risk Officer |
| Stanley A. Roberts | GC | General Counsel |
| Lanell Deloach | CCO | Chief Credit Officer of Subsid |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Blue Ridge Bank, N.A.'s total assets ranged from $2.31B (Q2 2026) to $3.23B (Q3 2023), and it earned a profit in 6 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$2.31B total assets against $2.54B; $2.06B total liabilities against $2.22B.
$1.83B net loans and leases against $1.97B; $1.89B total deposits against $2.04B.
$317.3M securities against $328.2M; $63.9M cash and balances due against $131.8M.
$28.8M total interest income against $34.7M; $12.0M total interest expense against $14.2M.
$16.8M net interest income against $20.5M.
$1.3M total noninterest income against $3.0M; $15.3M total noninterest expense against $21.3M.
$4.0M provision for credit losses against -$700K.
-$1.0M net income against $2.2M.
-0.17% return on assets against 0.32%; 2.91% net interest margin against 3.18%.
15.10% CET1 capital ratio against 17.86%; 11.23% tier 1 leverage ratio against 12.89%.
Inside the full Blue Ridge Bank, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Blue Ridge Bank, N.A. rankings
Its closest position to the top of a national ranking is 533 of 4,196, for total assets; its furthest is 3,522 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.17% (Q2 2026) to 0.89% (Q3 2025) and its net interest margin ran from 2.75% (Q3 2024) to 3.58% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.10% | -0.17% | 1.68% | 12.14% | 2.91% |
| Q1 2026 | 15.33% | 0.19% | 1.15% | 8.35% | 2.91% |
| Q4 2025 | 18.18% | 0.73% | 1.26% | 7.76% | 3.04% |
| Q3 2025 | 18.95% | 0.89% | 1.48% | 7.51% | 3.58% |
| Q2 2025 | 17.86% | 0.32% | 1.22% | 6.42% | 3.18% |
| Q1 2025 | 16.88% | 0.06% | 1.19% | 6.71% | 2.95% |
| Q4 2024 | 16.38% | -0.17% | 1.19% | 7.01% | 2.84% |
| Q3 2024 | 15.68% | 0.18% | 1.46% | 8.90% | 2.75% |
Swipe the table sideways to see every column.
Branch Network
View all 27 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bayberry Richmond Branch | Richmond , VA | 23226 | $364.9M |
| Luray Branch | Luray , VA | 22835 | $190.1M |
| Kilmarnock Branch | Kilmarnock , VA | 22482 | $144.5M |
| Charlottesville Branch | Charlottesville , VA | 22901 | $102.7M |
| Blue Ridge Bank, N.A. (main office) | Martinsville , VA | 24112 | $94.2M |
| Louisa Branch | Louisa , VA | 23093 | $86.8M |
| Tuckahoe Branch | Henrico , VA | 23229 | $76.1M |
| Colonial Heights Branch | Colonial Heights , VA | 23834 | $63.3M |
| Orange Branch | Orange , VA | 22960 | $60.4M |
| Robious Branch | Richmond , VA | 23235 | $55.7M |
| Harrisonburg Branch | Harrisonburg , VA | 22801 | $52.7M |
| Mineral Branch | Mineral , VA | 23117 | $51.1M |
| Culpeper Office Branch | Culpeper , VA | 22701 | $51.0M |
| Montross Branch | Montross , VA | 22520 | $49.0M |
| Virginia Beach Branch | Virginia Beach , VA | 23451 | $49.0M |
| 4600 West Hundred Road Branch | Chester , VA | 23831 | $47.8M |
| Callao Branch | Callao , VA | 22435 | $44.6M |
| Gordonsville Branch | Gordonsville , VA | 22942 | $43.4M |
| Shenandoah Branch | Shenandoah , VA | 22849 | $42.1M |
| Warsaw Branch | Warsaw , VA | 22572 | $41.3M |
| 1703 N Main Street Branch | Suffolk , VA | 23434 | $38.4M |
| White Stone Branch | White Stone , VA | 22578 | $36.1M |
| Patterson Branch | Richmond , VA | 23226 | $28.1M |
| Monument Branch | Petersburg , VA | 23805 | $24.1M |
| Fredericksburg Branch | Fredericksburg , VA | 22407 | $19.3M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| February 1, 2021 | Structure Change | Acquired Virginia Commonwealth Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 31, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 15, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 15, 2019 | Structure Change | Acquired Virginia Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 10, 2016 | Structure Change | Acquired another institution Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 9, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 20, 2010 | Merger | Participated in FDIC Assisted Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 7 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 2 against the institution (OCC)
- January 24, 2024, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Blue Ridge Bank, National Association
- August 29, 2022, OCC: Formal Agreement: Blue Ridge Bank, National Association
- Period: Most recent institution action January 24, 2024. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.6% of deposits in VA, rank 21 of 102 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 199 applications, 135 loans originated, $39.9M originated, across 13 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 7 loans, $3.0M approved, $422K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Blue Ridge Bank, N.A.
What are Blue Ridge Bank, N.A.'s total assets?
As of the Q2 2026 filing, Blue Ridge Bank, N.A. reported total assets of $2.31 billion in its FFIEC call report.
Where is Blue Ridge Bank, N.A. headquartered?
It is headquartered in Martinsville, VA, United States.
When was Blue Ridge Bank, N.A. founded?
It was established in 2000, per the FDIC institution directory.
Is Blue Ridge Bank, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #35274). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Blue Ridge Bank, N.A.?
Blue Ridge Bank, N.A.'s primary federal regulator is the OCC.
What is Blue Ridge Bank, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.10% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Blue Ridge Bank, N.A. operate?
It operates 27 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Blue Ridge Bank, N.A.'s Texas Ratio?
Its Texas Ratio is 12.14% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Blue Ridge Bank, N.A. previously called?
The charter now named Blue Ridge Bank, N.A. has also operated as River Community Bank, National Association (2008-2016), per FDIC structure-change records.
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