# BLUE RIDGE BANK
LURAY, VA · FDIC certificate 6872 · asset band <$300M · latest filing 2016-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $296.4M | |
| Deposits | $235.6M | |
| Loans and leases | $244.8M | |
| Total equity | $30.7M | |
| Loans / deposits | 103.05% (p93 of band) | 75.30% |
| Liquid assets / assets | 13.59% (p11 of band) | |
| Uninsured deposits / deposits | 20.20% (p73 of band) | 14.23% |
| Brokered deposits | 3.93% | |
| Wholesale funding | 13.72% (p89 of band) | |
| FHLB advances / assets | 9.78% | |
| Tier 1 leverage | 10.56% (p45 of band) | 10.87% |
| Unrealized securities loss / equity | 1.50% (p48 of band) | 1.65% |
| AOCI / equity | 0.59% (p45 of band) | |
| ROA (annualized) | 0.92% (p53 of band) | 0.88% |
| Net interest margin | 3.66% (p50 of band) | 3.67% |
| Efficiency ratio | 59.76% (p21 of band) | |
| Noncurrent loans | 0.16% (p27 of band) | 0.69% |
| Net charge-offs (annualized) | 0.41% (p95 of band) | |
| Reserve coverage of noncurrent | 497.49% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 58.21% (p84 of band) | |
| Auto loans | $13.7M (5.59% of loans; DQ 4.38%, NCO 0.07%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 20.1% | |
| Employees | 44 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **capital falling** (`cap_falling`)
- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | wholesale funding >15% |  |
| 2011-06 | 0 |  | wholesale funding >15% |
| 2011-09 | 2 | loans exceed deposits, wholesale funding >15% |  |
| 2011-12 | 0 |  | loans exceed deposits, wholesale funding >15% |
| 2012-03 | 2 | wholesale funding >15%, capital falling |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 1 |  | capital falling |
| 2012-12 | 2 | brokered >10% |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 1 |  | brokered >10% |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | brokered >10% |  |
| 2014-06 | 1 |  | brokered >10% |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | loans exceed deposits |  |
| 2015-03 | 1 |  | loans exceed deposits |
| 2015-06 | 2 | loans exceed deposits |  |
| 2015-09 | 3 | capital falling |  |
| 2015-12 | 3 |  |  |
| 2016-03 | 2 |  | wholesale funding >15% |
| 2016-06 | 1 |  | loans exceed deposits |
| 2016-09 | 3 | loans exceed deposits, charge-offs p90 |  |

## 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
- 2026-08-17 [NC lender to acquire Blue Ridge Bank for $448M - Banking Dive](https://news.google.com/rss/articles/CBMikgFBVV95cUxQdkxRbXY3X1hrbkVlbkRrRXpwcnI3Z19zTEt1V1VzS3Z3NTc2ZFNpcFZVYTA4bUpSRENlWHQ3TnVfaC1ISWlfS1JaNU1kempuLUFYVEt0REJydWVNRUxkWThYS0tnUUdSdV9FdFVnVEFCSW9BRHlTYjVOQmdlVDZ5b2t0MlptMVpuYXNScmpTckhGZw?oc=5) · Banking Dive
- 2026-08-18 [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
- 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
- 2026-05-13 [Blue Ridge Bank Hires Campbell to Lead Central Virginia Market - ABF Journal](https://news.google.com/rss/articles/CBMilAFBVV95cUxOcE5jN3JwY1QwUFRTUnRuRmVOY0dUa0puc3E4MUVYeFpaTWxDdnRGWHA1NmNPQkFGWExfekNBd0pQb1BLRWlvbkxvNF8xQUNMSkg3TVBQcm4xbGZ3ZkxEODAtODFxZk83LTl6VXBINGsweDI0LU5BanRVTWQ4dkVYX0Z3MVZrc0lvclRVSGlQYVVTanl5?oc=5) · ABF Journal
- 2026-08-17 [HomeTrust Bank announces merger with Blue Ridge Bank - WJHL](https://news.google.com/rss/articles/CBMijgFBVV95cUxQSFJic09yT242V0dJNWRfM1hvdXZaOEd2S0FoUzJEOVFmOVROWFVqNUZLQnp5OTRSRG5HN3Jnb09SelhOejNBcDUzYWFSQS0xVXpVUEdtYWNqQzBHLTdVbnpiMkZkTDdCNWxHOWlkQlFZeFhLMXFRSm16VkhScVdURk9pTlgwWmJYZ3RMSUp30gGTAUFVX3lxTE1nRmJGQWQyV21zLXBUSHdyTC1SLTBLWndSM0xrM0JsWUZHTm9ZRlV4VjRSeHdJUTVNQlVELTFLbVlWdGFsOXctX0FRTy1EeUVzdTVKTWlBQjgzUFREbEVFTnkwWTN2NWlkcW1ySWNfY1ktVUY1b3FPZkZyb0tfbk85MlZfVndQdGd2NmRLS1VHTzhJTQ?oc=5) · WJHL
- 2026-08-17 [HomeTrust Bank, with regional HQ in Charlotte, buys Virginia's Blue Ridge Bank - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxOell1azNyLWRhOE9uQXpack5oSkVPYnctOVliRG1yRHdvZWhnaXVCN0lXc3EwcG12aXpiZlFabWxUYUFsdFRpQ1ZKcGxUMkpzQXZWWV8yT1FBbG94VUNXNGZTZUFLN2x6Y2cxUDkwUUg1eUhJTWhZRkhvS0U5Nnp6WDBaMWFuNHVyRU5Ob1d5UHg2UlVIdkgyUGJjV0xFOXFYSnl3ZlBaZEpuQ2tG?oc=5) · The Business Journals
- 2026-03-16 [Blue Ridge Bankshares CEO retires after turnaround - Virginia Business](https://news.google.com/rss/articles/CBMigAFBVV95cUxPQm9WVXo3LVVQZzc5VWR3ZVVnY3NKb3RMZGdnbnoyZ19IVW52YmtvTkdUMmNFaHpNVkE2NWE0YUgxYnRPaG14RTlaY3A2akthQ0RSWEMtc1Y3MExER1d6OHRNN0didHh3eEN6S2lTS0kycXJ3Zm1Kd29QWFhQNUVZZQ?oc=5) · Virginia Business

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=6872 (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/24.json (key "6872", 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.

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