Blue Ridge Bank NA (FDIC #35274): Bank Stress & Real-Estate Credit Exposure
Blue Ridge Bank NA (FDIC Cert #35274): bank stress 87/100, severe, STABLE over 7 days; parent BLUE RIDGE BANKSHARES INC.
Blue Ridge Bank NA (#35274) lends in 21 counties across 2 states; Blue Ridge Bank NA (#35274) reaches 202 ZIP codes: Virginia 20 counties, 167 ZIPs; North Carolina 1 county, 35 ZIPs.
Blue Ridge Bank NA (#35274) largest markets: Guilford County, NC (35 branches, 35 ZIPs) (#35274), Albemarle County, VA (24 branches, 24 ZIPs) (#35274), Culpeper County, VA (19 branches, 19 ZIPs) (#35274), Richmond County, VA (17 branches, 17 ZIPs) (#35274), Henrico County, VA (34 branches, 17 ZIPs) (#35274), Chesterfield County, VA (32 branches, 16 ZIPs) (#35274).
Blue Ridge Bank NA (#35274) reports $2.31 billion in total assets; Blue Ridge Bank NA (#35274) equity $245.8 million (10.6% of Blue Ridge Bank NA (#35274) assets); Blue Ridge Bank NA (#35274) domestic deposits $1.89 billion; Blue Ridge Bank NA (#35274) net income $140,000; Blue Ridge Bank NA (#35274) return on assets 0.01%; Blue Ridge Bank NA (#35274) return on equity 0.11%; Blue Ridge Bank NA (#35274) net interest income $34.0 million; Blue Ridge Bank NA (#35274) call report June 30, 2026.
Blue Ridge Bank NA (#35274) noncurrent real-estate loans 0.05% of its book; Blue Ridge Bank NA (#35274) residential 0.08%; Blue Ridge Bank NA (#35274) net charge-offs on real estate 0.79%; Blue Ridge Bank NA (#35274) residential charge-offs 0.19%.
Blue Ridge Bank NA (#35274) net interest margin 3.00% against an eight-quarter Blue Ridge Bank NA (#35274) average of 3.10% (Blue Ridge Bank NA (#35274) compression 0.09 points); Blue Ridge Bank NA (#35274) real-estate loans 4.9% of equity; Blue Ridge Bank NA (#35274) non-residential real estate 19.0% of equity; Blue Ridge Bank NA (#35274) rate-exposure score 40/100, Blue Ridge Bank NA (#35274) fixed-rate trap 40/100; Blue Ridge Bank NA (#35274) risk type credit driven; Blue Ridge Bank NA (#35274) rate regime rates elevated, Blue Ridge Bank NA (#35274) snapshot October 19, 2026.
Blue Ridge Bank NA (#35274) stress score moved from 83.6 on June 22, 2026 to 87.1 on October 19, 2026; Blue Ridge Bank NA (#35274) ranged 83.6 to 87.1 over 116 snapshots.
Blue Ridge Bank NA (#35274) alerts: 19 counties; top Blue Ridge Bank NA (#35274) alert scores: Charlottesville County, VA 45 (moderate); Suffolk County, VA 45 (moderate); Virginia Beach County, VA 44 (moderate); Orange County, VA 43 (moderate); Culpeper County, VA 43 (moderate).