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Blue Ridge Bank, National Association
Martinsville, VA · FDIC Certificate #35274 · Chartered 07/2
Total assets
$2.31B
Total deposits
$1.89B
Total equity
$245.76M
Net loans
$1.83B
Branches (offices)
27
Net income (YTD)
$140.00K
Rank: #541 of 4,213 U.S. banks by assets · #14 of 56 in Virginia. Assets changed -9.0% and deposits -7.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.01% |
| Return on equity | 0.11% |
| Net interest margin (YTD) | 3.00% |
| Equity to assets | 10.64% |
| Tier 1 leverage ratio | 11.23% |
| Uninsured deposits (share of deposits) | 22.7% |
| Noncurrent loans (share of loans) | 1.68% |
| Net charge-offs (share of loans) | 0.03% |
| Loans to deposits | 96.8% |
| Real estate loans (share of loans) | 84.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.55B | 84.5% | |
| Commercial & industrial | $267.51M | 14.6% | |
| Consumer / individual | $27.38M | 1.5% | |
| Construction & development | $83.45M | 4.6% | |
| Agricultural | $131.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $2.77B | $2.34B | $12.71M | $262.60M |
| Jun 2023 | $3.18B | $2.61B | -$762.00K | $239.44M |
| Jun 2024 | $2.91B | $2.37B | -$6.39M | $305.08M |
| Jun 2025 | $2.54B | $2.04B | $2.60M | $313.61M |
| Jun 2026 | $2.31B | $1.89B | $140.00K | $245.76M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Virginia | $1.87B | 26 |
| North Carolina | $18.24M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.89B.
Similar-sized banks
The First National Bank Of Fort Smith ($2.31B) · Parke Bank ($2.30B)
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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