# BLUE RIDGE BANK
WALHALLA, SC · FDIC certificate 17773 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $199.4M | |
| Deposits | $181.8M | |
| Loans and leases | $136.1M | |
| Total equity | $17.1M | |
| Loans / deposits | 73.66% (p50 of band) | 73.59% |
| Liquid assets / assets | 28.04% (p39 of band) | |
| Uninsured deposits / deposits | 8.91% (p10 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.19% (p13 of band) | 11.76% |
| Unrealized securities loss / equity | -10.65% (p38 of band) | -6.57% |
| AOCI / equity | -0.69% (p37 of band) | |
| ROA (annualized) | 0.54% (p19 of band) | 1.17% |
| Net interest margin | 4.80% (p85 of band) | 3.93% |
| Efficiency ratio | 85.04% (p85 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p54 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 91% | |
| Construction % of loans | 50.87% (p80 of band) | |
| Auto loans | $2.5M (1.85% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 2.7% | |
| Employees | 49 | |

## Flags firing in the latest filing

- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 2 | reserve under noncurrent, deposits shrinking |  |
| 2013-06 | 2 | assets shrinking | reserve under noncurrent |
| 2013-09 | 0 |  | deposits shrinking, assets shrinking |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 2 | capital falling, charge-offs p90 |  |
| 2016-03 | 0 |  | capital falling, charge-offs p90 |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | reserve under noncurrent |  |
| 2016-12 | 0 |  | reserve under noncurrent |
| 2017-03 | 1 | charge-offs p90 |  |
| 2017-06 | 0 |  | charge-offs p90 |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 2 | reserve under noncurrent |  |
| 2018-09 | 1 |  | capital falling |
| 2018-12 | 0 |  | reserve under noncurrent |
| 2019-03 | 0 |  |  |
| 2019-06 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2019-09 | 3 | assets shrinking |  |
| 2019-12 | 1 |  | deposits shrinking, assets shrinking |
| 2020-03 | 1 | capital falling | uninsured deposits leaving |
| 2020-06 | 2 | expense ratio p90 |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 3 | reserve under noncurrent |  |
| 2021-03 | 4 | NIM <2.5% |  |
| 2021-06 | 2 |  | expense ratio p90, NIM <2.5% |
| 2021-09 | 2 |  |  |
| 2021-12 | 1 |  | reserve under noncurrent |
| 2022-03 | 2 | charge-offs p90 |  |
| 2022-06 | 2 | reserve under noncurrent | capital falling |
| 2022-09 | 3 | AOCI drag >20% of equity, securities losses >30% of equity | reserve under noncurrent |
| 2022-12 | 1 |  | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving | charge-offs p90 |
| 2023-06 | 3 |  |  |
| 2023-09 | 4 | securities losses >30% of equity |  |
| 2023-12 | 1 |  | deposits shrinking, assets shrinking, securities losses >30% of equity |
| 2024-03 | 1 | capital falling | uninsured deposits leaving |
| 2024-06 | 0 |  | capital falling |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | capital falling |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | capital falling |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | uninsured deposits leaving |  |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-09-23 [Blue Ridge Bank opens permanent office in Pickens | - Pickens County Courier Newspaper](https://news.google.com/rss/articles/CBMijAFBVV95cUxQWmpKZkdQSEx0S2poT2t2bjM2dTIxZVFOYi1sbUplMm4xT1JSWnQzQUtrUEtrUGFkVllxS0ZLcU1NWjA3c294Q3NHanBnOGJlQ3dhazRIdHlCZ3NNWFRvRGlCcy01T1QyY0lnaG9iUE95T1Rrc1RUbzVrV3IyRF9EaS16Ry1xVi1iRnJsZQ?oc=5) · Pickens County Courier Newspaper
- 2026-08-17 [HomeTrust Bancshares, Inc. Expands into Attractive Virginia Markets Through Acquisition of Blue Ridge Bankshares, Inc. - PR Newswire](https://news.google.com/rss/articles/CBMi_wFBVV95cUxNWHZ0M1VxczhxZFpvSWRROFRROE9Ndy1NOFRSbU9NSkJobWFITUZiQWhqbUZQMzhXaVZEWU1WX1dNbzJKTUZUZ0xkTDlKekR3SHBsN3VROHZSdXdscW84VzJQM0JEVWRmem1SQW9Sa2NYaVNtaDNFMVplWjJPTUhZVjAtOWFCUDlQZ05xdXkxazVMLS12U3RxaVJqMmkxT3RxSkhGblBMTVB0cXBZVFE4cXR0eDE0SkFsVXZyZnJUdHVJdC1BQ3RJdUl6MzJQcFZtdndOSDk1OERVWlVvdWhQeWtvM1hCNElMbmVjQnRhZDBmZzJtRjloQTg2azlidTg?oc=5) · PR Newswire
- 2026-08-17 [NC lender to acquire Blue Ridge Bank for $448M - Banking Dive](https://news.google.com/rss/articles/CBMikgFBVV95cUxQdkxRbXY3X1hrbkVlbkRrRXpwcnI3Z19zTEt1V1VzS3Z3NTc2ZFNpcFZVYTA4bUpSRENlWHQ3TnVfaC1ISWlfS1JaNU1kempuLUFYVEt0REJydWVNRUxkWThYS0tnUUdSdV9FdFVnVEFCSW9BRHlTYjVOQmdlVDZ5b2t0MlptMVpuYXNScmpTckhGZw?oc=5) · Banking Dive
- 2026-08-17 [NC lender to acquire Blue Ridge Bank for $448M - Yahoo Finance](https://news.google.com/rss/articles/CBMimAFBVV95cUxQTFBTRVc1YWtUYWU5RDlBNFRlRmotTDRqNHFvaHBTSTJOQ0RIVi1XVEdwU21jdjBiVXhkSjE2QVdPejZtQUcxM245cWRfdndfM3l1TERUN3pDbGVwM29ZTXlWb29tVFVKRTMzazQ0NV9qQ3M2bFloc3F5TEdWWFgwSjNhWVBXZUhjckxTeGNxZ0JOakRwQVN6NQ?oc=5) · Yahoo Finance
- 2026-08-18 [Blue Ridge Bank to be acquired by N.C.-based HomeTrust Bank in $448M deal - Richmond BizSense](https://news.google.com/rss/articles/CBMisgFBVV95cUxPZXNwNExBaEN0dmZ6ODBxTXVwSHpyVnNYWmF4dlhfb3hKSEVZbk5kN1VTYXZfSzM3ODhWcFJoZVY4NUtlLWdobUhGeFZhZVlUOG1IeUZwQjIyc0hBM1F5QThWa3JxMDBMREl0TTg0V2JUSUw0V2ZnLUlPaS1VVFk3cXhiV3dsRHBXWS1PS05teUJDMS1WSWt4eXBzNmZKWXdYR0xBakxXamlVaTBxWmRWUEh3?oc=5) · Richmond BizSense
- 2021-06-28 [Carolina State Bank to change branding to match parent company starting on July 1 - The Business Journals](https://news.google.com/rss/articles/CBMijwFBVV95cUxOUm5JVlp5SU01SHhZaFZTNXJWS1JsYUJBT0h1MFVtQ0EwZjQ5MjBuQ0tnWEJmRE4tUXE4UkdQQS1WVUtIckx4WXhKQ1FhUy1SQV90dGZuSEFBNlNiTHYtZzZobUd2b2czNkY2RjJYa1FEeS1RZm1Dd1I5SE9odllPdTB3VW9qemV0R0RVSTBEWQ?oc=5) · The Business Journals
- 2013-05-15 [10 Years Later: Murders at Blue Ridge Bank Unsolved - Patch](https://news.google.com/rss/articles/CBMilgFBVV95cUxQUjBGQnRvMWFlSEt2X2ZvbDRQN1VyZ2ZyMHI1aU83cVBFdUNGLWN3aE5GeUpiR0VQa2laNWR1YVNSMmJEOGxSSm1oaGpoTG5mR2x6Vlc0Y0c5WVBjQ3M1eHg2Y2d4el9fM29kcFVFY1QybU9FLVV2ZzJLX29rNEZjdWJiZndVbFZRY3RranI5R2Y3c0JDdkE?oc=5) · Patch
- 2018-11-07 [CEO hired for Greensboro community bank startup - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxQcnRGSm9nLUp2MVBkMldHOW5VZWlIWDNqZHowdUowbFY3cHF5bHVhM0RJbnFHRVZnSUtCcHpqaWR4Yk5XVGhwYzRoUXljQkQwd2ZiYmw3WmFVM1BkdllQMF9BRUx3Q3UzNWhuLVpXeGYyMUp6RDBUaFJFUHc2Zmo5emlCVXBrbEpzdV81S2F5dzBUc0JPNS1ZX21ydm92SWlUa1MwZg?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17773 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/45.json (key "17773", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide