FDIC Cert #35274 · Martinsville, Virginia · Est. 2000

Blue Ridge Bank, National Association - FDIC Bank Health Profile

A community-scale look at Blue Ridge Bank, National Association's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$2.4B
Total assets
B
Health grade · Good
0.50%
Return on assets
18.2%
Tier 1 capital

Data updated July 2026

The verdict

Blue Ridge Bank, National Association earns a PlainBankData health grade of B (70/100), with well-capitalized at 18.18% Tier 1, 0.50% ROA, 85% efficiency ratio.

#518
largest of 4,313 FDIC banks by assets
88th
percentile by asset size, nationally
18.18%
Tier 1 ratio - above the 10% well-capitalized line
16th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 35274 · VA B · 70/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-REGIONAL · BOOK-FULL

  • GRADE-B B (70/100)
  • MID-PACK #2965/4307
  • PHOTO-FINISH Southern First Bank · SC
  • TIER1-WELL 18.2% Tier 1
  • TEXAS-CLEAN 7.4% Texas
  • ROA-THIN 0.50% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Virginia: Southern First Bank, SC (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Blue Ridge Bank

Lowest and highest poles plus nearest scored peers outside Virginia, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Blue Ridge Bank, Na… · VA ·…70/100First Community Bank… · IL ·…70/100Freedom Financial Bank · IA …70/100InsBank · TN · near70/100Southern First Bank · SC · n…70/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Blue Ridge Bank · July 2026

What Blue Ridge Bank's Call Report plate shows

Blue Ridge Bank, National Association (FDIC Cert #35274) carries a PlainBankData health grade of B at 70/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,965 of 4,307. Tier 1 capital prints at 18.18%, clearing the 10% well-capitalized line. The Texas Ratio is 7.41%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.50%. Balance-sheet scale is $2.4B, 518th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Southern First Bank (SC), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Blue Ridge Bank

5 FAILURE resolutions in Virginia since 2000 (5 since 2008)

Blue Ridge Bank, National Association's home state sits in the middle band of post-2000 FAILURE counts (5; 5 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Blue Ridge Bank, National Association remains an active FDIC-insured reporter.

  • MILLENNIUM BANK, NATIONAL ASSOCIATION STERLING, VA 2014 → WASHINGTONFIRST BANK
  • BANK OF THE COMMONWEALTH NORFOLK, VA 2011 → SOUTHERN BANK AND TRUST COMPANY
  • VIRGINIA BUSINESS BANK RICHMOND, VA 2011 → XENITH BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Virginia banks.

How Blue Ridge Bank, National Association's 70/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10070/100
Blue Ridge Bank, National Association's composite health score
Tier 1 Capital Ratio (18.18%) 40/40
Return on Assets (ROA) (0.50%) 14/25
Texas Ratio (7.41%) 16/20
Efficiency Ratio (85.44%) 0/15

70 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$2.4B

Total balance-sheet footings

Total Deposits

$1.9B

Customer-funded liabilities

Net Loans

$1.9B

Outstanding loan book

Net Income

$13M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% 21% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 16.78% 18.18% 19.58%
Basel III capital ratios - Blue Ridge Bank, National Association

Where Blue Ridge Bank, National Association ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Blue Ridge Bank, National Association's score of 70/100 falls in the highlighted band.

Blue Ridge Bank, National Association: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

70 31st percentile higher than 31% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Blue Ridge Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Blue Ridge Bank, National Association's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Blue Ridge Bank, National Association's $2.4B falls in the highlighted band.

Safety ratios for Blue Ridge Bank

Tier 1 capital ratio
Well-capitalized 10%

18.18% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
18.18%
Texas Ratio
7.41%
Equity Capital
$301M

What these ratios mean →

Profitability metrics: Blue Ridge Bank

Return on Assets (ROA)
16th percentile nationally
0.50%
Return on Equity (ROE)
4.11%
Efficiency Ratio
85.44%

What these mean →

Income & expense at Blue Ridge Bank

$138M
Interest Income
$11M
Non-Interest Income
$80M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Blue Ridge Bank, National Association reports a Texas Ratio of 7.41% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

7.41% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Blue Ridge Bank, National Association on FDIC BankFind →

Top banks in Virginia by total assets

Largest banks headquartered in Virginia
  1. 1
    Capital One $658.5B

    Mclean, VA · Grade B

  2. 2
    HSBC Bank USA $165.3B

    Tysons, VA · Grade A

  3. 3
    Atlantic Union Bank $37.5B

    Richmond City, VA · Grade A

  4. 4
    United Bank $33.5B

    Fairfax, VA · Grade A

  5. 5
    TowneBank $19.7B

    Portsmouth, VA · Grade B

Top 5 banks in Virginia ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($2.4B here), outside Virginia so the neighborhood is not state containment.

Guaranty Bank $2.4B · MO Bank Iowa $2.4B · IA Wayne Bank $2.4B · PA TexasBank $2.4B · TX

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Blue Ridge Bank, National Association (FDIC Cert #35274) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Blue Ridge Bank, National Association Call Report profile · FDIC Failed Bank List · Virginia FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Virginia

All Virginia banks →
BankAssetsGradeROA
Capital One, National AssociationMclean $658.5B B 0.55%
HSBC Bank USA, National AssociationTysons $165.3B A 0.92%
Atlantic Union BankRichmond City $37.5B A 0.99%
United BankFairfax $33.5B A 1.50%
TowneBankPortsmouth $19.7B B 0.90%
Burke & Herbert Bank & Trust CompanyAlexandria $7.9B A 1.69%
Carter Bank & TrustMartinsville $4.8B D 0.72%
The First Bank and Trust CompanyLebanon $4.2B A 1.62%