Bank Comparison
Blue Ridge Bank, N.A. vs Cornerstone Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
14 · 10
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Blue Ridge Bank, N.A. | Cornerstone Bank |
|---|---|---|
| CET1 Ratio | 15.33% | 12.51% |
| Tier 1 Capital Ratio | 15.33% | 12.51% |
| Total Capital Ratio | 16.47% | 13.00% |
| Tier 1 Leverage Ratio | 11.01% | 9.23% |
| Equity / Assets | 10.33% | 9.57% |
Profitability
| Metric | Blue Ridge Bank, N.A. | Cornerstone Bank |
|---|---|---|
| Return on Assets (ROA) | 0.19% | 0.67% |
| Return on Equity (ROE) | 1.69% | 8.34% |
| Net Interest Margin (NIM) | 2.91% | 3.10% |
| Yield on Earning Assets | 4.97% | 5.10% |
| Cost of Funds | 2.32% | 2.38% |
Asset quality
| Metric | Blue Ridge Bank, N.A. | Cornerstone Bank |
|---|---|---|
| Texas Ratio | 9.13% | 4.04% |
| Non-Performing Loan Ratio | 1.16% | 0.44% |
| Non-Performing Asset Ratio | 0.94% | 0.34% |
| Net Charge-Off Ratio | -0.07% | 0.02% |
| ACL / Loans | 1.05% | 0.45% |
Balance sheet
| Metric | Blue Ridge Bank, N.A. | Cornerstone Bank |
|---|---|---|
| Total Assets | $2,395M | $2,396M |
| Total Deposits | $1,974M | $1,949M |
| Total Loans | $1,833M | $1,865M |
| Total Equity | $247,388K | $229,244K |
| Net Income (quarter) | $1,162K | $4,053K |
Liquidity & funding
| Metric | Blue Ridge Bank, N.A. | Cornerstone Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 92.90% | 95.65% |
| Core Deposit Ratio | 91.47% | 85.79% |
| Uninsured Deposit Ratio | 20.99% | 27.00% |
Identity
| Metric | Blue Ridge Bank, N.A. | Cornerstone Bank |
|---|---|---|
| Headquarters City | MARTINSVILLE | SPENCER |
| Headquarters State | VA | MA |
| Asset Tier | Large | Large |
| Charter Class | 23903 | 0 |
| Regulator | OCC | FED |
| Domestic Branches | 27 | 17 |
| Employees (FTE) | 282 | 242 |
| Established | July 24, 2000, midnight | April 5, 1871, 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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