Blue Ridge Bank
Total assets
$199.4M
▲ +3.3% YoY
Deposits
$181.8M
▲ +2.7% YoY
Loans
$133.9M
▲ +5.6% YoY
Offices
6
BLUE RIDGE FINANCIAL CORP
ROA (annualized)
0.54%
peers 1.24%
ROE (annualized)
6.25%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | Blue Ridge Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.3% | +4.4% | -1.1 pts |
| Deposit growth (YoY) | +2.7% | +4.0% | -1.2 pts |
| Loan growth (YoY) | +5.6% | +5.6% | +0.0 pts |
| ROA | 0.54% | 1.24% | -0.7 pts |
| ROE | 6.3% | 11.9% | -5.6 pts |
ROA ranks in the 14th percentile of its peer group · Q2 2026
Profile
- Established
- 1957
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- BLUE RIDGE FINANCIAL CORP
- Specialization
- All Other Under 1 Billion
- Address
- 100 E Main St, Walhalla, SC, 29691
- County
- Oconee
- Metro area
- Seneca, SC
- Offices
- 6
- FDIC cert #
- 17773
- RSSD ID
- 174321
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $199.4M | $181.8M | $133.9M | $17.1M | $525K | 0.54% | 4.80% | 0.00% |
| Q1 2026 | $195.2M | $178.1M | $131.4M | $16.6M | $227K | 0.47% | 4.78% | 0.00% |
| Q4 2025 | $193.8M | $176.5M | $129.1M | $16.7M | $1.2M | 0.63% | 4.81% | 0.15% |
| Q3 2025 | $195.3M | $178.1M | $128.5M | $16.4M | $897K | 0.63% | 4.81% | 0.13% |
| Q2 2025 | $193.2M | $177.0M | $126.8M | $15.6M | $544K | 0.57% | 4.79% | 0.02% |
| Q1 2025 | $193.5M | $177.7M | $126.3M | $15.3M | $270K | 0.57% | 4.71% | 0.02% |
| Q4 2024 | $183.4M | $168.0M | $128.2M | $14.9M | $1.3M | 0.76% | 4.86% | 0.02% |
| Q3 2024 | $175.7M | $159.7M | $127.3M | $15.5M | $1.1M | 0.84% | 4.85% | 0.00% |
Loan mix (Q2 2026): real estate $124.3M · commercial $8.6M · consumer $3.1M · securities $30.7M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Blue Ridge Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.54% | 1.24% | 14th | |
Return on equity Annualized net income ÷ equity or net worth | 6.3% | 11.9% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.80% | 3.96% | 87th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.0% | 62.9% | 90th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Blue Ridge Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Blue Ridge Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Blue Ridge Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Blue Ridge Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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