Call reports 2025
BLUE RIDGE BANK, NATIONAL ASSOCIATION — 2025
What BLUE RIDGE BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 2,668,336,000 | 2,537,684,000 | 2,480,695,000 | 2,411,390,000 |
| Total loans | 2,083,334,000 | 1,990,965,000 | 1,925,545,000 | 1,880,486,000 |
| Allowance for loan losses | 23,126,000 | 21,974,000 | 20,503,000 | 19,444,000 |
| Securities available for sale | 325,401,000 | 327,958,000 | 341,354,000 | 332,928,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,175,574,000 | 2,044,717,000 | 1,973,021,000 | 1,934,652,000 |
| Interest-bearing deposits | 1,676,888,000 | 1,577,327,000 | 1,539,980,000 | 1,512,621,000 |
| Noninterest-bearing deposits | 498,686,000 | 467,390,000 | 433,041,000 | 422,031,000 |
| Equity capital | 311,492,000 | 313,610,000 | 326,203,000 | 301,407,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 35,350,000 | 70,086,000 | 106,299,000 | 137,772,000 |
| Interest expense | 15,624,000 | 29,873,000 | 43,837,000 | 56,898,000 |
| Net interest income | 19,726,000 | 40,213,000 | 62,462,000 | 80,874,000 |
| Noninterest income | 2,741,000 | 5,702,000 | 8,864,000 | 11,166,000 |
| Noninterest expense | 22,180,000 | 43,495,000 | 63,157,000 | 79,554,000 |
| Provision for loan losses | 0 | -700,000 | -2,500,000 | -3,900,000 |
| Pretax income | 224,000 | 3,082,000 | 10,680,000 | 16,474,000 |
| Income tax | -221,000 | 486,000 | 2,404,000 | 3,651,000 |
| Net income | 445,000 | 2,596,000 | 8,276,000 | 12,823,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 339,061,000 | 341,443,000 | 347,348,000 | 322,320,000 |
| Total capital | 360,244,000 | 361,482,000 | 365,989,000 | 339,784,000 |
| Risk-weighted assets | 2,008,979,000 | 1,912,124,000 | 1,833,405,000 | 1,773,218,000 |