BlastPoint's Banking Scorecard
Blue Ridge Bank
Micro
Specialty: Other
SC
FDIC cert 17773
Designations: ✓ Community bank
Walhalla, SC
2498
banks in Micro tier nationally
21 in SC
View Micro leaderboard (SC) →
Blue Ridge Bank shows strong momentum with 1 strength and 5.7% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 29.59% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$193.8M
+5.7% YoY
-0.8% QoQ
|
-$23.7M |
$217.5M
+2.3% YoY
|
$1.4B
+4.5% YoY
|
$5.9B
+6.5% YoY
|
50% |
| Total Loans ? |
$129.1M
+0.7% YoY
+0.5% QoQ
|
-$10.1M |
$139.2M
+2.8% YoY
|
$973.5M
+7.4% YoY
|
$3.1B
+8.5% YoY
|
53% |
| Total Deposits ? |
$176.5M
+5.1% YoY
-0.9% QoQ
|
-$7.1M |
$183.7M
+1.8% YoY
|
$1.2B
+4.1% YoY
|
$4.7B
+6.3% YoY
|
53% |
| Return on Assets ? |
0.63%
-16.8% YoY
+0.5% QoQ
|
-0.46% |
1.08%
+14.7% YoY
|
0.95%
+14.5% YoY
|
1.12%
+15.6% YoY
|
24% |
| Net Interest Margin ? |
4.81%
-1.0% YoY
-0.0% QoQ
|
+0.96% |
3.85%
+6.6% YoY
|
3.61%
+7.8% YoY
|
3.75%
+7.1% YoY
|
Top 13% in tier |
| Efficiency Ratio ? |
80.96%
+4.1% YoY
-0.2% QoQ
|
+13.24% |
67.73%
-4.8% YoY
|
68.53%
-3.0% YoY
|
65.09%
-5.1% YoY
|
19% |
| Delinquency Rate ? |
0.23%
+627.4% YoY
+13.5% QoQ
|
-0.41% |
0.64%
+24.4% YoY
|
0.35%
-2.9% YoY
|
0.66%
+20.3% YoY
|
60% |
| Loan-to-Deposit Ratio ? |
73.12%
-4.2% YoY
+1.4% QoQ
|
-1.41% |
74.53%
+0.5% YoY
|
73.98%
+1.0% YoY
|
78.04%
+0.7% YoY
|
56% |
| Non-Interest-Bearing Deposit Share ? |
51.99%
-3.5% YoY
-3.3% QoQ
|
+29.59% |
22.39%
-1.3% YoY
|
20.79%
-0.7% YoY
|
21.79%
-1.3% YoY
|
Top 2% in tier |
| Nonperforming Asset Ratio ? |
0.15%
+593.1% YoY
+14.9% QoQ
|
-0.30% |
0.45%
+25.1% YoY
|
0.23%
-5.4% YoY
|
0.48%
+20.8% YoY
|
61% |
| Tier 1 Capital Ratio ? |
14.65%
+2.5% YoY
-1.2% QoQ
|
+5.80% |
8.85%
-3.4% YoY
|
12.85%
+2.9% YoY
|
9.75%
-1.9% YoY
|
71% |
| Non-Interest Income / Assets ? |
0.37%
-12.3% YoY
+33.3% QoQ
|
-0.19% |
0.56%
+0.3% YoY
|
0.49%
-7.0% YoY
|
0.65%
+0.6% YoY
|
52% |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 2%
in Micro
Why this stands out
Current:
51.99%
(Tier avg: 22.39%, National avg: 21.79%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
98
98th pctile
Non-Interest-Bearing Deposit Share
Current: 51.99% · Tier avg: 22.39%
87
87th pctile
Net Interest Margin
Current: 4.81% · Tier avg: 3.85%
71
71th pctile
Tier 1 Capital Ratio
Current: 14.65% · Tier avg: 8.85%
61
61th pctile
Nonperforming Asset Ratio
Current: 0.15% · Tier avg: 0.45%
60
60th pctile
Delinquency Rate
Current: 0.23% · Tier avg: 0.64%
56
56th pctile
Loan-to-Deposit Ratio
Current: 73.12% · Tier avg: 74.53%
53
53th pctile
Total Deposits
Current: $176.5M · Tier avg: $183.7M
53
53th pctile
Total Loans
Current: $129.1M · Tier avg: $139.2M
52
52th pctile
Non-Interest Income / Assets
Current: 0.37% · Tier avg: 0.56%
50
50th pctile
Total Assets
Current: $193.8M · Tier avg: $217.5M
24
24th pctile
Return on Assets
Current: 0.63% · Tier avg: 1.08%
19
19th pctile
Efficiency Ratio
Current: 80.96% · Tier avg: 67.73%
Top Weaknesses
19
19th pctile
Efficiency Ratio
Current: 80.96% · Tier avg: 67.73%
24
24th pctile
Return on Assets
Current: 0.63% · Tier avg: 1.08%
50
50th pctile
Total Assets
Current: $193.8M · Tier avg: $217.5M
52
52th pctile
Non-Interest Income / Assets
Current: 0.37% · Tier avg: 0.56%
53
53th pctile
Total Loans
Current: $129.1M · Tier avg: $139.2M
53
53th pctile
Total Deposits
Current: $176.5M · Tier avg: $183.7M
56
56th pctile
Loan-to-Deposit Ratio
Current: 73.12% · Tier avg: 74.53%
60
60th pctile
Delinquency Rate
Current: 0.23% · Tier avg: 0.64%
61
61th pctile
Nonperforming Asset Ratio
Current: 0.15% · Tier avg: 0.45%
71
71th pctile
Tier 1 Capital Ratio
Current: 14.65% · Tier avg: 8.85%
87
87th pctile
Net Interest Margin
Current: 4.81% · Tier avg: 3.85%
98
98th pctile
Non-Interest-Bearing Deposit Share
Current: 51.99% · Tier avg: 22.39%