Blue Ridge Bank, N.A.: 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, N.A. of Martinsville, VA against its peer group of 895 similarly-sized US banks as of Q2 2026. The peer group is every US bank in the same asset tier (banks with $1B to $10B 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 | -0.17% | 1.29% | -1.46% | 2nd worst quarter |
| ROAE | -1.66% | 12.61% | -14.27% | 2nd worst quarter |
| Net Interest Margin | 2.91% | 3.71% | -0.80% | 12th worst quarter |
| Efficiency Ratio | 83.01% | 58.32% | +24.69% | 96th worst quarter |
| PPNR / Avg Assets | 0.48% | 1.75% | -1.27% | 3rd worst quarter |
| Yield on Earning Assets | 4.99% | 5.54% | -0.55% | 19th |
| Cost of Funds | 2.34% | 2.01% | +0.33% | 73rd worse half |
| Net Interest Spread | 2.04% | 3.09% | -1.05% | 7th worst quarter |
Asset Quality
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| NPL / Total Loans | 1.68% | 0.52% | +1.16% | 88th worst quarter |
| NPA / Total Assets | 1.41% | 0.41% | +1.00% | 89th worst quarter |
| NCO / Avg Loans | 0.14% | 0.03% | +0.11% | 77th worst quarter |
| ACL / Total Loans | 1.19% | 1.15% | +0.04% | 56th |
| ACL / NPLs (Coverage) | 70.68% | 204.05% | -133.37% | 12th worst quarter |
| Texas Ratio | 12.14% | 3.58% | +8.56% | 89th worst quarter |
| Provision / NCO | 627.91% | 173.21% | +454.70% | 77th |
| CRE / Total Capital | 254.97% | 223.76% | +31.21% | 63rd worse half |
Capital Adequacy
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| CET1 Ratio | 15.10% | 13.52% | +1.58% | 70th better half |
| Tier 1 Ratio | 15.10% | 13.55% | +1.55% | 70th better half |
| Total Capital Ratio | 16.36% | 14.66% | +1.70% | 71st better half |
| Leverage Ratio | 11.23% | 10.52% | +0.71% | 64th better half |
| Equity / Assets | 10.64% | 10.38% | +0.26% | 54th better half |
| TCE / Tangible Assets | 10.55% | 9.80% | +0.75% | 64th better half |
Liquidity & Funding
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Loan / Deposit | 97.99% | 88.15% | +9.84% | 79th |
| Core Deposit Ratio | 81.24% | 88.46% | -7.22% | 24th worst quarter |
| Uninsured Deposit Ratio | 22.75% | 30.92% | -8.17% | 22nd best quarter |
| Borrowings / Total Assets | 6.49% | 3.92% | +2.57% | 69th worse half |
Growth & Management
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -8.97% | 5.46% | -14.43% | 1st |
| Loan Growth (Y/Y) | -6.91% | 5.90% | -12.81% | 3rd |
| Deposit Growth (Y/Y) | -7.49% | 5.07% | -12.56% | 2nd |
See Blue Ridge Bank, N.A.'s peers by name
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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, N.A. 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, N.A. peer analysis.