BlastPoint's Banking Scorecard
Blue Ridge Bank, National Association
Community
Specialty: Commercial
VA
FDIC cert 35274
Martinsville, VA
1484
banks in Community tier nationally
32 in VA
View Community leaderboard (VA) →
Blue Ridge Bank, National Association faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 2% in Community
- - Deposit Outflow: Bottom 14% in Community
- - Liquidity Overhang: Bottom 23% in Community
- - Capital Constraint: Bottom 67% in Community
- - Efficiency Ratio 22.81% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.4B
-11.4% YoY
-2.8% QoQ
|
+$1.0B |
$1.4B
+2.0% YoY
|
$17.5B
+24.6% YoY
|
$5.9B
+6.5% YoY
|
85% |
| Total Loans ? |
$1.9B
-12.2% YoY
-2.3% QoQ
|
+$885.6M |
$975.5M
+2.4% YoY
|
$10.7B
+28.4% YoY
|
$3.1B
+8.5% YoY
|
Top 13% in tier |
| Total Deposits ? |
$1.9B
-12.9% YoY
-1.9% QoQ
|
+$770.0M |
$1.2B
+1.7% YoY
|
$13.8B
+21.4% YoY
|
$4.7B
+6.3% YoY
|
84% |
| Return on Assets ? |
0.50%
+334.9% YoY
+17.9% QoQ
|
-0.66% |
1.16%
+17.2% YoY
|
0.94%
+24.9% YoY
|
1.12%
+15.6% YoY
|
Bottom 11% in tier |
| Net Interest Margin ? |
3.31%
+12.4% YoY
-1.5% QoQ
|
-0.36% |
3.66%
+9.1% YoY
|
3.66%
+9.0% YoY
|
3.75%
+7.1% YoY
|
31% |
| Efficiency Ratio ? |
85.44%
-21.4% YoY
-2.4% QoQ
|
+22.81% |
62.63%
-5.3% YoY
|
66.70%
-6.7% YoY
|
65.09%
-5.1% YoY
|
Bottom 6% in tier |
| Delinquency Rate ? |
1.28%
+6.1% YoY
-14.9% QoQ
|
+0.65% |
0.63%
+18.3% YoY
|
0.75%
+37.7% YoY
|
0.66%
+20.3% YoY
|
19% |
| Loan-to-Deposit Ratio ? |
96.20%
+0.8% YoY
-0.4% QoQ
|
+13.13% |
83.06%
+0.3% YoY
|
79.98%
+0.8% YoY
|
78.04%
+0.7% YoY
|
21% |
| Non-Interest-Bearing Deposit Share ? |
21.81%
-1.9% YoY
-0.6% QoQ
|
+0.77% |
21.05%
-0.9% YoY
|
24.23%
+0.2% YoY
|
21.79%
-1.3% YoY
|
58% |
| Nonperforming Asset Ratio ? |
1.05%
+10.4% YoY
-9.2% QoQ
|
+0.55% |
0.50%
+20.3% YoY
|
0.53%
+39.4% YoY
|
0.48%
+20.8% YoY
|
18% |
| Tier 1 Capital Ratio ? |
18.18%
+11.0% YoY
-4.1% QoQ
|
+7.93% |
10.24%
-0.6% YoY
|
11.48%
+7.9% YoY
|
9.75%
-1.9% YoY
|
Top 11% in tier |
| Non-Interest Income / Assets ? |
0.46%
-36.5% YoY
+29.6% QoQ
|
-0.28% |
0.74%
-1.3% YoY
|
0.64%
-0.2% YoY
|
0.65%
+0.6% YoY
|
43% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (5)
Liquidity Strain
risk
#12 of 513 · Bottom 2% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
96.20%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Deposit Outflow
decline
#35 of 248 · Bottom 14% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
|
QoQ rank improving
Liquidity Overhang
risk
#63 of 268 · Bottom 23% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
18.18%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
96.20%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Capital Constraint
risk
#32 of 47 · Bottom 67% in Community
Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Why this signature
Loan-to-Deposit Ratio:
96.20%
(Tier: 83.06%, National: 78.04%)
Tier 1 Risk-Based Capital Ratio:
18.18%
(Tier: 10.24%, National: 9.75%)
47 of 47 Community banks match
·
57 nationally
→ Stable
-1 banks QoQ
|
QoQ rank improving
Efficiency Ratio
metric
Bottom 6%
in Community
Why this stands out
Current:
85.44%
(Tier avg: 62.63%, National avg: 65.09%)
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
89
89th pctile
Tier 1 Capital Ratio
Current: 18.18% · Tier avg: 10.24%
87
87th pctile
Total Loans
Current: $1.9B · Tier avg: $975.5M
85
85th pctile
Total Assets
Current: $2.4B · Tier avg: $1.4B
84
84th pctile
Total Deposits
Current: $1.9B · Tier avg: $1.2B
58
58th pctile
Non-Interest-Bearing Deposit Share
Current: 21.81% · Tier avg: 21.05%
43
43th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.74%
31
31th pctile
Net Interest Margin
Current: 3.31% · Tier avg: 3.66%
21
21th pctile
Loan-to-Deposit Ratio
Current: 96.20% · Tier avg: 83.06%
19
19th pctile
Delinquency Rate
Current: 1.28% · Tier avg: 0.63%
18
18th pctile
Nonperforming Asset Ratio
Current: 1.05% · Tier avg: 0.50%
11
11th pctile
Return on Assets
Current: 0.50% · Tier avg: 1.16%
6
6th pctile
Efficiency Ratio
Current: 85.44% · Tier avg: 62.63%
Top Weaknesses
6
6th pctile
Efficiency Ratio
Current: 85.44% · Tier avg: 62.63%
11
11th pctile
Return on Assets
Current: 0.50% · Tier avg: 1.16%
18
18th pctile
Nonperforming Asset Ratio
Current: 1.05% · Tier avg: 0.50%
19
19th pctile
Delinquency Rate
Current: 1.28% · Tier avg: 0.63%
21
21th pctile
Loan-to-Deposit Ratio
Current: 96.20% · Tier avg: 83.06%
31
31th pctile
Net Interest Margin
Current: 3.31% · Tier avg: 3.66%
43
43th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.74%
58
58th pctile
Non-Interest-Bearing Deposit Share
Current: 21.81% · Tier avg: 21.05%
84
84th pctile
Total Deposits
Current: $1.9B · Tier avg: $1.2B
85
85th pctile
Total Assets
Current: $2.4B · Tier avg: $1.4B
87
87th pctile
Total Loans
Current: $1.9B · Tier avg: $975.5M
89
89th pctile
Tier 1 Capital Ratio
Current: 18.18% · Tier avg: 10.24%