# BLUERIDGE BANK
FREDERICK, MD · FDIC certificate 58756 · asset band <$300M · latest filing 2015-12 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $215.0M | |
| Deposits | $180.6M | |
| Loans and leases | $187.4M | |
| Total equity | $17.0M | |
| Loans / deposits | 102.72% (p94 of band) | 73.15% |
| Liquid assets / assets | 12.46% (p8 of band) | |
| Uninsured deposits / deposits | 20.90% (p76 of band) | 14.12% |
| Brokered deposits | 6.85% | |
| Wholesale funding | 14.85% (p91 of band) | |
| FHLB advances / assets | 5.44% | |
| Tier 1 leverage | 8.00% (p6 of band) | 10.64% |
| Unrealized securities loss / equity | 1.14% (p66 of band) | 0.27% |
| AOCI / equity | -0.16% (p42 of band) | |
| ROA (annualized) | 0.34% (p17 of band) | 0.82% |
| Net interest margin | 3.49% (p41 of band) | 3.64% |
| Efficiency ratio | 80.01% (p67 of band) | |
| Noncurrent loans | 0.00% (p7 of band) | 0.67% |
| Net charge-offs (annualized) | 0.00% (p27 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 84% | |
| Construction % of loans | 73.23% (p90 of band) | |
| Auto loans | $40,000 (0.02% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 3.0% | |
| Employees | 27 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | losing money |  |
| 2011-06 | 0 |  | losing money |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | capital falling |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | capital falling |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | loans exceed deposits |  |

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

- 2015-12-22 [F&M Trust names new president - Chambersburg Public Opinion](https://news.google.com/rss/articles/CBMimwFBVV95cUxQQVMtemFPNTFnNjhXVzBSZ0Z4YmlteWZzRVV0RFZ5b2RpLWx5ZzVTQ1hQQkt0MzlaUDNhbUlibUhYNGVQd0Z4QWg3QXNQbFJxWU9ia29ObTVIZUtnNzRrQS1CdXRTUXUtV2c2V2szM3kxeDlHbmhibEdqSDhxS0lIN3M3R3NzYjlpUkIzeDkxZ3kxTUVweVBYYVk4WQ?oc=5) · Chambersburg Public Opinion
- 2015-12-19 [F&M Trust gets new leadership - Waynesboro Record Herald](https://news.google.com/rss/articles/CBMikwFBVV95cUxQcWZhRk9RQnJLUVliTGNkUWk0T294S2ZyM0ROdzhXTTNFTWcxQ0xKbzVsRFhhdzZRcWZjQXNJU3FvM0UxZDE3aXd0N3pMbGFnbWxvdWhPbl9IQk0yMDFtQWdCcG16Sm43dkVxMjFlWjFFTGhMSWZEaF9YbFNDRXNMTEJUZWJJcjlIR3ZUQ1hobkxiSU0?oc=5) · Waynesboro Record Herald
- 2017-02-01 [Old Line Bank buying MoCo rival for $40.7M - The Business Journals](https://news.google.com/rss/articles/CBMiogFBVV95cUxPdkRtRG9GaEFoRW9oaFQwZXVWZzREUFBucVhZa2trRTQyQWd3Z01rOVVpYjYweC1VdEF4c0RrUEVIc210d2d0dXJlSTlaN01wT3BFUmh0dzVhXzZjLWtjcU9ERlpmbFJrd1JxVFJGaUxDYkp3emdLQ1l0YmRJUFAxU3dfNHVpQlVnbE5TdUJRcUNoV012U29DeFhWc2dRZTVKTGc?oc=5) · The Business Journals
- 2010-07-16 [John Kellermann Obituary (2010) - Baltimore, MD - Baltimore Sun - legacy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxQSEs0R09ZM1VoeFQzWjFCUVVkOVpxVU9Oel81STg2dHdicVI2anNvXzdGeUthX2RYdy1leFV1b25TZHJ1Q2EtZ19PVS1CM3l4cVdja1l2RmVoX1ZJNkQyNjJsc3lPVkF3ZkQtODZDdk5jX2R4YVFWc3R6Nl9UWEVwd0Q1ZzN4SEJtMVJLLS1vM2JPOFgwWVE?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58756 (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/4.json (key "58756", 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