# BLUE RIDGE BANK NA
MARTINSVILLE, VA · FDIC certificate 35274 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (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 | $2.31B | |
| Deposits | $1.89B | |
| Loans and leases | $1.85B | |
| Total equity | $245.8M | |
| Loans / deposits | 96.82% (p79 of band) | 87.10% |
| Liquid assets / assets | 16.50% (p29 of band) | |
| Uninsured deposits / deposits | 22.75% (p24 of band) | 30.76% |
| Brokered deposits | 8.04% | |
| Wholesale funding | 14.54% (p79 of band) | |
| FHLB advances / assets | 6.49% | |
| Tier 1 leverage | 11.23% (p64 of band) | 10.50% |
| Unrealized securities loss / equity | -16.89% (p25 of band) | -7.75% |
| AOCI / equity | -0.32% (p49 of band) | |
| ROA (annualized) | 0.01% (p3 of band) | 1.26% |
| Net interest margin | 3.00% (p15 of band) | 3.70% |
| Efficiency ratio | 88.71% (p98 of band) | |
| Noncurrent loans | 1.68% (p88 of band) | 0.51% |
| Net charge-offs (annualized) | 0.03% (p52 of band) | |
| Reserve coverage of noncurrent | 70.68% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 33.96% (p34 of band) | |
| Auto loans | $20.9M (1.13% of loans; DQ 10.03%, NCO 0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | -7.5% | |
| Employees | 254 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 2 | brokered >10% |  |
| 2012-03 | 2 | liquid assets <10% | brokered >10% |
| 2012-06 | 1 |  | liquid assets <10% |
| 2012-09 | 3 | loans exceed deposits, liquid assets <10% |  |
| 2012-12 | 3 |  |  |
| 2013-03 | 1 |  | loans exceed deposits, liquid assets <10% |
| 2013-06 | 4 | loans exceed deposits, liquid assets <10%, charge-offs p90 |  |
| 2013-09 | 4 |  |  |
| 2013-12 | 4 |  |  |
| 2014-03 | 4 | capital falling | charge-offs p90 |
| 2014-06 | 2 |  | reserve under noncurrent, liquid assets <10% |
| 2014-09 | 3 | charge-offs p90 |  |
| 2014-12 | 4 | reserve under noncurrent |  |
| 2015-03 | 3 | construction >100% equity | capital falling, charge-offs p90 |
| 2015-06 | 5 | wholesale funding >15%, liquid assets <10% |  |
| 2015-09 | 2 |  | construction >100% equity, wholesale funding >15%, liquid assets <10% |
| 2015-12 | 3 | liquid assets <10% |  |
| 2016-03 | 4 | charge-offs p90 |  |
| 2016-06 | 4 | deposits shrinking, assets shrinking | reserve under noncurrent, liquid assets <10% |
| 2016-09 | 2 |  | deposits shrinking, assets shrinking |
| 2016-12 | 3 | capital falling |  |
| 2017-03 | 1 | reserve under noncurrent | loans exceed deposits, charge-offs p90, capital falling |
| 2017-06 | 2 | noncurrent p90 |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 3 | loans exceed deposits |  |
| 2018-03 | 2 | capital falling | noncurrent p90, loans exceed deposits |
| 2018-06 | 3 | loans exceed deposits |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 4 | wholesale funding >15% |  |
| 2019-03 | 3 |  | capital falling |
| 2019-06 | 2 |  | loans exceed deposits |
| 2019-09 | 3 | loans exceed deposits |  |
| 2019-12 | 2 |  | loans exceed deposits |
| 2020-03 | 3 | expense ratio p90 |  |
| 2020-06 | 2 | loans exceed deposits | reserve under noncurrent, expense ratio p90 |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | expense ratio p90 |  |
| 2021-06 | 1 | reserve under noncurrent | wholesale funding >15%, loans exceed deposits, expense ratio p90 |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 3 | charge-offs p90, assets shrinking |  |
| 2022-06 | 1 |  | reserve under noncurrent, assets shrinking |
| 2022-09 | 2 | capital falling |  |
| 2022-12 | 5 | noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2023-03 | 8 | brokered >10%, wholesale funding >15%, expense ratio p90 |  |
| 2023-06 | 9 | losing money |  |
| 2023-09 | 11 | securities losses >30% of equity, uninsured deposits leaving |  |
| 2023-12 | 10 |  | securities losses >30% of equity |
| 2024-03 | 12 | securities losses >30% of equity, deposits shrinking, assets shrinking | charge-offs p90 |
| 2024-06 | 10 | charge-offs p90 | capital falling, construction >100% equity, securities losses >30% of equity |
| 2024-09 | 9 |  | noncurrent p90 |
| 2024-12 | 9 |  |  |
| 2025-03 | 7 |  | losing money, charge-offs p90 |
| 2025-06 | 6 |  | uninsured deposits leaving |
| 2025-09 | 6 |  |  |
| 2025-12 | 5 |  | brokered >10% |
| 2026-03 | 5 | capital falling | wholesale funding >15% |
| 2026-06 | 4 |  | capital falling |

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

- 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
- 2026-05-12 [22-year banker to lead Blue Ridge Bank's Central Virginia market - stocktitan.net](https://news.google.com/rss/articles/CBMiwAFBVV95cUxQT1hrbWlHeXRYWFlEelFkLWxVeXJseDNGYW44Q2x4OXpkaHFGTFk5akRjSDdGdmwzaGJSbENFQ1F6NGFYdEtVaEVPVHlUblJQVHJOQWFOd0oxVWpDWHFrMm1IRjA4bWpJMFVTVXprcWlBczg0NldyQ2FQc3FNQUM3bkdSNEh2VzI2QUZ1dHdYbFJpTjdlNk5WOFNRZGh2WHR0dmNIV3drWS1IVE5id3BPclVIbVB1R2tILWdHZGREdE4?oc=5) · stocktitan.net
- 2026-05-12 [Blue Ridge Bank, N.A. Hires Robert J. Campbell to Lead Central Virginia Market - Barchart.com](https://news.google.com/rss/articles/CBMiwAFBVV95cUxQNUVjc1llLUs4MXphdWRnUGtZbmRJQndXdDRDTzlDYzhxWHhrX2FnaEFlQVNCM1YzdmE5dnRTTFVwSHJBQ0hxd2NUU1NIcy1DcTMzbFZDMkhldzdMT1BoQnFwZHVqMVloSGg4TnlRYV8tYVFrNkJ6N2NKY3MxNFRvczlqaVZBa3lLSFZUNjlJZjFvTmk3LUhVOEZ6NTA3bWFjejVoU1Fua2RpNTY2WF9xUEYyWlNfQTNkeDJBVXpfOUw?oc=5) · Barchart.com
- 2026-05-26 [BRBS - Finviz](https://news.google.com/rss/articles/CBMiRkFVX3lxTFBCdHRJQlI0X2xKUHduMFRQNk1adVl0T2xwS0pwRElBV19vMGM5VWFFOW5OMkNfYjc3NHIwNzR6c0FVWDM3bVE?oc=5) · Finviz
- 2024-04-19 [The rise, fall and recovery of Blue Ridge Bank | Business - Page Valley News](https://news.google.com/rss/articles/CBMifkFVX3lxTE1rcThnbi1Vek0yVURBZGR0MjljdzRsX2lXcUVzMEt3Z3VFcnBtYTBvTlRtRDliN0JUa1hvY0UxczEtX2h0N0lEWDhmcG5KcW1NdTBBQWtHODNoV1hFekp0NHNiaFJLQ3R5akJvRlpZSFR5U01CZjBiUmxlTDRqUQ?oc=5) · Page Valley News
- 2023-05-08 [Blue Ridge Bankshares, Inc. Announces Appointment of G. William ("Billy") Beale as Chief Executive Officer of Blue Ridge Bank, N.A. - FF News](https://news.google.com/rss/articles/CBMi3wFBVV95cUxOaW5FZnk2cUYzX09VWDhyMUQ5eDhUcGtDWHZDQ1VSVXoxdnBUT3NjbEhmVHlDOVNRQ0Z3Vm1RcHpodDQ3Y0RadTJFTks4LWtYd1doaWxmZTE2UE5GZ0tyOEhkYnZ6VnpEOVNCZG9rT2JmQUhzaHluTG95WnJCQTQ2RXp5bElLcE9HVkl4WWVqYUhOcnJEaHViSzlOZ2lITS16REQ1aUNlLWtWRXNYZG0xb3V3QUlNZHp5dnpjNVlpZnVwTmZtcUdKTU1mOHNWNDhzV2sxNVhEZ1hteS1YSlQ0?oc=5) · FF News
- 2021-02-01 [Blue Ridge Bankshares, Inc. and Bay Banks of Virginia, Inc. Complete Merger - PR Newswire](https://news.google.com/rss/articles/CBMixgFBVV95cUxOalpoSTRLRHZHSmx3M0RlZHRKNUp1REV4N0FFd3JKV3FLVV9GMWVkcEpzWG5WNmdyZDhRaGpoZ2pPZzNDRlJNLTlBT1hsSUxPRVVSc3ZfNDU4VXd4YVc3QjF1MWFrSHZuYmxlR0xnXzlvWTNXMVJ5MTVxbV8zV2lhN0VYR3hMNzkwRDJSZ2F1eVdSVzFsQVpzWXN2U1FpVkhlSlNSQThhZ1V2RVViWTlGN2pvRm8yY09NaXhQXzRxbWNCOHkyYnc?oc=5) · PR Newswire
- 2023-08-02 [Blue Ridge Bank, N.A. Hires Dean Brown as Chief Operations and Technology Officer - PR Newswire](https://news.google.com/rss/articles/CBMizwFBVV95cUxOU2p5Vnh5ejNpMTg5U3Y5U1hmTFY4bEJIWVVuUlZTZTd6ZjdaeFdLM095UmJuNm5kcG5MQ2g2Sm9mSnVqamFERndpM3lGbXNBckx1S3ZlX3NiNjYyeXFBUFpWUVNCS2RxYTl2Q19zdWFQMDgzQmJVTFUwUVVYcjRIQlBIZmxKY2RVdG92Z0wwN1pWbGg4MGlNOVMxb1JYSS1UUGR3Vy05cFhPSVdjZXl5Mm12dHRscDRiVjZ1U1JZbzZwV01YZDZrUGV1S1FLdWM?oc=5) · PR Newswire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35274 (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/10.json (key "35274", 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