Bank Comparison
Blue Ridge Bank and Trust CO. vs 1st Colonial Community Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 15
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Blue Ridge Bank and Trust CO. | 1st Colonial Community Bank |
|---|---|---|
| CET1 Ratio | 11.96% | 15.82% |
| Tier 1 Capital Ratio | 11.96% | 15.82% |
| Total Capital Ratio | 13.21% | 17.08% |
| Tier 1 Leverage Ratio | 9.69% | 9.82% |
| Equity / Assets | 9.35% | 9.61% |
Profitability
| Metric | Blue Ridge Bank and Trust CO. | 1st Colonial Community Bank |
|---|---|---|
| Return on Assets (ROA) | 1.30% | 1.34% |
| Return on Equity (ROE) | 13.93% | 14.04% |
| Net Interest Margin (NIM) | 3.89% | 3.43% |
| Yield on Earning Assets | 5.51% | 5.35% |
| Cost of Funds | 1.72% | 2.12% |
Asset quality
| Metric | Blue Ridge Bank and Trust CO. | 1st Colonial Community Bank |
|---|---|---|
| Texas Ratio | 8.95% | 8.30% |
| Non-Performing Loan Ratio | 1.27% | 1.25% |
| Non-Performing Asset Ratio | 0.95% | 0.88% |
| Net Charge-Off Ratio | -0.04% | 0.05% |
| ACL / Loans | 1.67% | 1.39% |
Balance sheet
| Metric | Blue Ridge Bank and Trust CO. | 1st Colonial Community Bank |
|---|---|---|
| Total Assets | $881,614K | $881,807K |
| Total Deposits | $742,230K | $792,085K |
| Total Loans | $659,852K | $621,620K |
| Total Equity | $82,424K | $84,781K |
| Net Income (quarter) | $2,835K | $2,958K |
Liquidity & funding
| Metric | Blue Ridge Bank and Trust CO. | 1st Colonial Community Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 88.90% | 78.48% |
| Core Deposit Ratio | 93.02% | 96.08% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Blue Ridge Bank and Trust CO. | 1st Colonial Community Bank |
|---|---|---|
| Headquarters City | INDEPENDENCE | Collingswood |
| Headquarters State | MO | NJ |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 8 | 3 |
| Employees (FTE) | 117 | 92 |
| Established | Sept. 8, 1958, midnight | June 29, 2000, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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