Call reports 2025
BLUE RIDGE BANK — 2025
What BLUE RIDGE BANK 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 | 193,452,000 | 193,168,000 | 195,285,000 | 193,790,000 |
| Total loans | 128,186,000 | 128,792,000 | 130,504,000 | 131,193,000 |
| Allowance for loan losses | 1,883,000 | 1,959,000 | 2,034,000 | 2,109,000 |
| Securities available for sale | 25,898,000 | 25,544,000 | 29,130,000 | 32,414,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 177,678,000 | 177,018,000 | 178,104,000 | 176,549,000 |
| Interest-bearing deposits | 82,567,000 | 82,810,000 | 82,337,000 | 84,770,000 |
| Noninterest-bearing deposits | 95,111,000 | 94,208,000 | 95,767,000 | 91,779,000 |
| Equity capital | 15,341,000 | 15,631,000 | 16,383,000 | 16,687,000 |
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 | 2,294,000 | 4,724,000 | 7,189,000 | 9,626,000 |
| Interest expense | 224,000 | 475,000 | 748,000 | 1,024,000 |
| Net interest income | 2,070,000 | 4,249,000 | 6,441,000 | 8,602,000 |
| Noninterest income | 172,000 | 334,000 | 546,000 | 722,000 |
| Noninterest expense | 1,840,000 | 3,774,000 | 5,668,000 | 7,549,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 327,000 | 659,000 | 1,094,000 | 1,475,000 |
| Income tax | 57,000 | 115,000 | 197,000 | 270,000 |
| Net income | 270,000 | 544,000 | 897,000 | 1,205,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,970,000 | 17,244,000 | 17,597,000 | 17,698,000 |
| Total capital | 18,437,000 | 18,715,000 | 19,087,000 | 19,216,000 |
| Risk-weighted assets | 117,019,000 | 117,170,000 | 118,691,000 | 120,823,000 |