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Blue Ridge Bank National Association

IDRSSD: 233527
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
59
/ 100
WatchAs of 2023-Q4QoQ -19

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2023-Q4

Bank #233527 2023-Q4 Vital Signs Score: 59/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

Liquidity:Watch
Securities:Strong
Capitalization:Watch
Asset Quality:Stable
Reserves:Watch

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 2.78% of loans.
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.58% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2023:
↓ -19 ptscomposite
  • Liquidity
    ↓ -20
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↓ -39
  • Reserves
    — —

The five pillars

Liquidity

WatchQoQ -20
56
Sub-score

Liquidity is deteriorating: brokered 27.2%, loans/deposits 94.9%, cash 3.9% of assets.

Cash / Assets
3.90%
Loans / Deposits
94.88%
Brokered %
27.20%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

WatchQoQ -2
44
Sub-score

Capital position is deteriorating: Tier 1 RBC 9.09%, CET1 9.09%, leverage 7.48%.

Tier 1 RBC
9.09%
CET1
9.09%
Leverage
7.48%
No watch items at this period.

Asset Quality

StableQoQ -39
61
Sub-score

Asset quality is stable: Adjusted NPL 2.58%, Texas Ratio 22.9%, NCO YTD 2.78%.

Adjusted NPL
2.58%
Govt-guarantees stripped
Texas Ratio
22.9%
NCO YTD
2.78%
30-89 PD
0.66%
Band 0.3% / 3.0%
90+ PD
0.12%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.58% (govt-guarantees stripped).
  • riskNet charge-offs elevated — NCO YTD 2.78% of loans.

Reserves

Watch
44
Sub-score

Reserves are deteriorating: ALLL 1.45% of loans, coverage 56.9%, true coverage 53.3%.

ALLL / Loans
1.45%
Coverage
56.9%
True Loss Coverage
53.3%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-13 13:48:41 UTC