Institution Class	Commercial bank, state charter, Fed member, supervised by FRB
Primary Regulator	FED
Established Date	04/14/1893
Community Bank	Yes
Ownership Type	Not Mutual
ZIP	22835
State and County Number	51139
Subchapter S Corporations	No
Trust Powers	N/A
Federal Reserve ID Number	05
Numeric code	13
Insured by FDIC	Institution closed or not insured by FDIC
Federal Reserve District	Atlanta
Core Based Statistical Area Name	N/A

Operational Info

Number of Employees	330
Domestic Offices	5
Foreign Offices	0
US Offices	0
Directly owned by another bank (CERT)	No
Last Structure Change Effective Date	12/09/2016
Date of Deposit Insurance	01/01/1934
Primary Insurance Agency	DIF
Website	N/A
Data Updated	11/14/2025
CERT	6872
Office of The Comptroller District:	—
Office of Thrift Supervision Region	N/A

Financial Summary

Total Assets	$2.48B
Total Deposits	$1.97B
Total Liabilities	$2.15B
Total Equity Capital	$326.20M
Net Income	$5.68M
Net Loans and Leases	$1.91B
Assets Per Employee ($Millions)	$7.88M
Bank Premises and Fixed Assets	$28.45M
Cash and Balances due from Depository Institutions	$120.30M
Deposits Held in Domestic Offices	$1.97B

Return on Assets (ROA)	0.91%
Return on Equity (ROE)	7.1%
Net Interest Margin	3.72%
Efficiency Ratio	76.5%
Tier 1 Risk-Based Capital Ratio	18.946%
Net Loans and Leases to Core Deposits	0%
Credit Loss Provision to Assets	-0.29%
Cash Dividends to Net Income (YTD Only)	0%
Equity Capital to Assets	13.15%
Earning Assets to total Assets	95.38%

Total Interest Income	$36.21M
Total Noninterest Income	$3.16M
Total Interest Expense	$13.96M
Total Noninterest Expense	$19.66M
Net Interest Income	$22.25M
Pre-tax Net Operating Income	$7.55M
Provision for Credit Losses	$-1,800,000
Discontinued Operations (Extraordinary Gains - Net)	$0

Goodwill and Other Intangibles	$0
All Other Assets	$0
Other Real Estate Owned	$0
Other borrowed funds	$157.58M
Federal Funds Sold & Reverse Repurchase Agreement	$7.77M
Federal Funds Purchased and Repurchased Agreement	$0
All Other Liabilities	$23.89M
Total Liabilities and Capital	$2.48B

Securities	$341.61M
Available-for-sale debt securities	$341.35M
Equity securities with readily determinable fair values not held for trading	$0
Held-to-maturity securities	$0
Subordinated Debt	$0
Trading Account Assets	$0
Trading Liabilities	$0

What are the total assets of Blue Ridge Bank?

$2.48B as of the latest filing.

How much are Blue Ridge Bank's total deposits?

$1.97B in total deposits.

Where is Blue Ridge Bank located?

Luray, VA.

What is the Net Interest Margin?

3.72%.

How many domestic offices does it operate?

When was it established?

04/14/1893.

What is the Return on Assets (ROA)?

0.91%.

How much are total loans and leases?

$1.91B (latest filing).

What is the total interest income (latest filing)?

$36.21M.