Call reports 2025
BLUE RIDGE BANK AND TRUST CO. — 2025
What BLUE RIDGE BANK AND TRUST CO. 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 | 840,850,000 | 817,273,000 | 828,253,000 | 883,136,000 |
| Total loans | 614,067,000 | 621,165,000 | 614,993,000 | 625,004,000 |
| Allowance for loan losses | 9,597,000 | 10,195,000 | 10,333,000 | 10,524,000 |
| Securities available for sale | 108,762,000 | 109,429,000 | 119,580,000 | 115,115,000 |
| Securities held to maturity | 9,670,000 | 8,663,000 | 8,657,000 | 8,651,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 715,273,000 | 690,400,000 | 697,993,000 | 740,136,000 |
| Interest-bearing deposits | 520,912,000 | 509,269,000 | 515,589,000 | 523,519,000 |
| Noninterest-bearing deposits | 194,361,000 | 181,131,000 | 182,404,000 | 216,617,000 |
| Equity capital | 72,779,000 | 74,251,000 | 77,520,000 | 80,366,000 |
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 | 10,709,000 | 21,876,000 | 33,080,000 | 44,512,000 |
| Interest expense | 3,637,000 | 7,376,000 | 11,033,000 | 14,456,000 |
| Net interest income | 7,072,000 | 14,500,000 | 22,047,000 | 30,056,000 |
| Noninterest income | 1,532,000 | 3,157,000 | 4,814,000 | 6,772,000 |
| Noninterest expense | 5,188,000 | 10,824,000 | 16,180,000 | 21,665,000 |
| Provision for loan losses | 375,000 | 975,000 | 1,350,000 | 2,136,000 |
| Pretax income | 3,041,000 | 5,858,000 | 9,331,000 | 13,027,000 |
| Income tax | 696,000 | 1,366,000 | 2,182,000 | 2,787,000 |
| Net income | 2,345,000 | 4,492,000 | 7,149,000 | 10,240,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 76,006,000 | 76,853,000 | 79,336,000 | 81,671,000 |
| Total capital | 84,957,000 | 85,880,000 | 88,299,000 | 90,554,000 |
| Risk-weighted assets | 714,388,000 | 719,960,000 | 714,630,000 | 708,029,000 |