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Blue Ridge Bank
Walhalla, SC · FDIC Certificate #17773 · Chartered 06/1
Total assets
$199.45M
Total deposits
$181.81M
Total equity
$17.09M
Net loans
$133.92M
Branches (offices)
6
Net income (YTD)
$525.00K
Rank: #2,980 of 4,213 U.S. banks by assets · #32 of 43 in South Carolina. Assets changed 3.3% and deposits 2.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.54% |
| Return on equity | 6.25% |
| Net interest margin (YTD) | 4.80% |
| Equity to assets | 8.57% |
| Tier 1 leverage ratio | 9.19% |
| Uninsured deposits (share of deposits) | 8.9% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 73.7% |
| Real estate loans (share of loans) | 92.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $124.25M | 92.8% | |
| Commercial & industrial | $8.62M | 6.4% | |
| Consumer / individual | $3.07M | 2.3% | |
| Construction & development | $8.70M | 6.5% | |
| Agricultural | $13.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $187.81M | $175.32M | $349.00K | $12.35M |
| Jun 2023 | $159.72M | $145.69M | $704.00K | $13.49M |
| Jun 2024 | $175.09M | $159.98M | $594.00K | $14.60M |
| Jun 2025 | $193.17M | $177.02M | $544.00K | $15.63M |
| Jun 2026 | $199.45M | $181.81M | $525.00K | $17.09M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| South Carolina | $181.81M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $181.81M.
Similar-sized banks
First State Bank ($199.51M) · The First National Bank Of Evant ($199.41M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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