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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 — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
74
/ 100
StableAs of 2024-Q2QoQ +12

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

Quarterly Headline

2024-Q2

Bank #233527 2024-Q2 Vital Signs Score: 74/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.79% of loans.

What changed this quarter

Compared to Q1 2024:
↑ +12 ptscomposite
  • Liquidity
    ↓ -6
  • Securities
    — —
  • Capitalization
    ↑ +97
  • Asset Quality
    ↓ -30
  • Reserves
    — —

The five pillars

Liquidity

WatchQoQ -6
57
Sub-score

Liquidity is deteriorating: brokered 26.1%, loans/deposits 96.3%, cash 4.5% of assets.

Cash / Assets
4.47%
Loans / Deposits
96.30%
Brokered %
26.15%
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

StrongQoQ +97
97
Sub-score

Capital position is strong: Tier 1 RBC 14.19%, CET1 14.19%, leverage 11.00%.

Tier 1 RBC
14.19%
CET1
14.19%
Leverage
11.00%
No watch items at this period.

Asset Quality

StableQoQ -30
70
Sub-score

Asset quality is stable: Adjusted NPL 1.80%, Texas Ratio 11.1%, NCO YTD 1.79%.

Adjusted NPL
1.80%
Govt-guarantees stripped
Texas Ratio
11.1%
NCO YTD
1.79%
30-89 PD
0.88%
Band 0.3% / 3.0%
90+ PD
0.14%
Band 0.1% / 2.0%

Watch Items

  • watchNet charge-offs elevated — NCO YTD 1.79% of loans.

Reserves

Risk
39
Sub-score

Reserves are weak: ALLL 1.21% of loans, coverage 68.1%, true coverage 54.4%.

ALLL / Loans
1.21%
Coverage
68.1%
True Loss Coverage
54.4%
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