Bank Comparison
Blue Ridge Bank, N.A. vs First Community Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 14
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Blue Ridge Bank, N.A. | First Community Bank |
|---|---|---|
| CET1 Ratio | 15.33% | 12.80% |
| Tier 1 Capital Ratio | 15.33% | 12.80% |
| Total Capital Ratio | 16.47% | 13.95% |
| Tier 1 Leverage Ratio | 11.01% | 9.06% |
| Equity / Assets | 10.33% | 9.54% |
Profitability
| Metric | Blue Ridge Bank, N.A. | First Community Bank |
|---|---|---|
| Return on Assets (ROA) | 0.19% | 1.03% |
| Return on Equity (ROE) | 1.69% | 12.01% |
| Net Interest Margin (NIM) | 2.91% | 3.34% |
| Yield on Earning Assets | 4.97% | 5.03% |
| Cost of Funds | 2.32% | 1.88% |
Asset quality
| Metric | Blue Ridge Bank, N.A. | First Community Bank |
|---|---|---|
| Texas Ratio | 9.13% | 2.19% |
| Non-Performing Loan Ratio | 1.16% | 0.27% |
| Non-Performing Asset Ratio | 0.94% | 0.18% |
| Net Charge-Off Ratio | -0.07% | 0.00% |
| ACL / Loans | 1.05% | 1.18% |
Balance sheet
| Metric | Blue Ridge Bank, N.A. | First Community Bank |
|---|---|---|
| Total Assets | $2,395M | $2,401M |
| Total Deposits | $1,974M | $2,053M |
| Total Loans | $1,833M | $1,556M |
| Total Equity | $247,388K | $228,986K |
| Net Income (quarter) | $1,162K | $6,074K |
Liquidity & funding
| Metric | Blue Ridge Bank, N.A. | First Community Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 92.90% | 75.78% |
| Core Deposit Ratio | 91.47% | 94.82% |
| Uninsured Deposit Ratio | 20.99% | 33.98% |
Identity
| Metric | Blue Ridge Bank, N.A. | First Community Bank |
|---|---|---|
| Headquarters City | MARTINSVILLE | LEXINGTON |
| Headquarters State | VA | SC |
| Asset Tier | Large | Large |
| Charter Class | 23903 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 27 | 23 |
| Employees (FTE) | 282 | 288 |
| Established | July 24, 2000, midnight | Aug. 17, 1995, 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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