Blue Ridge Bank
Walhalla, SC
IDRSSD: 174321
Total Assets
$195.28M
Latest filing
Total Deposits
$178.10M
Latest filing
Net Interest Margin
4.83%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Blue Ridge Bank
100 E Main St
Walhalla, SC 29691
Full Service - Brick and Mortar
Updated 11/14/2025Established 06/17/1957FDIC Certificate 11727
Branches (5)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Blue Ridge Bank (Main) | 100 E Main St | Walhalla, SC |
| WALHALLA BRANCH | 100 N John St | Walhalla, SC |
| BOUNTYLAND ROAD BRANCH | 118 Bountyland Rd | Seneca, SC |
| WESTMINISTER BRANCH | 200 W Windsor St | Westminster, SC |
| EASLEY BRANCH | 1053 S Pendleton St | Easley, SC |
| PICKENS BRANCH | 628 Ann Street | Pickens, SC |
Showing 5 of 5
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 06/17/1957 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 29691 |
| State and County Number | 45073 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 05 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Seneca, SC |
Operational Info
| Number of Employees | 47 |
| Domestic Offices | 6 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 06/17/1957 |
| Primary Insurance Agency | DIF |
| Website | blueridge.bank |
| Data Updated | 11/14/2025 |
| CERT | 17773 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $195.28M |
| Total Deposits | $178.10M |
| Total Liabilities | $178.90M |
| Total Equity Capital | $16.38M |
| Net Income | $353.00k |
| Net Loans and Leases | $128.47M |
| Assets Per Employee ($Millions) | $4.07M |
| Bank Premises and Fixed Assets | $7.79M |
| Cash and Balances due from Depository Institutions | $28.13M |
| Deposits Held in Domestic Offices | $178.10M |
Key Performance Ratios
| Return on Assets (ROA) | 0.73% |
| Return on Equity (ROE) | 8.82% |
| Net Interest Margin | 4.83% |
| Efficiency Ratio | 78.79% |
| Tier 1 Risk-Based Capital Ratio | 14.827% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.15% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.389% |
| Earning Assets to total Assets | 93.37% |
Income and Expense
| Total Interest Income | $2.46M |
| Total Noninterest Income | $212.00k |
| Total Interest Expense | $273.00k |
| Total Noninterest Expense | $1.89M |
| Net Interest Income | $2.19M |
| Pre-tax Net Operating Income | $435.00k |
| Provision for Credit Losses | $75.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $798.00k |
| Total Liabilities and Capital | $195.28M |
Securities
| Securities | $29.13M |
| Available-for-sale debt securities | $29.13M |
| 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 |
Frequently Asked Questions
What are the total assets of Blue Ridge Bank?
$195.28M as of the latest filing.
How much are Blue Ridge Bank's total deposits?
$178.10M in total deposits.
Where is Blue Ridge Bank located?
Walhalla, SC.
What is the Net Interest Margin?
4.83%.
How many domestic offices does it operate?
6.
When was it established?
06/17/1957.
What is the Return on Assets (ROA)?
0.73%.
How much are total loans and leases?
$128.47M (latest filing).
What is the total interest income (latest filing)?
$2.46M.