BlastPoint's Banking Scorecard

Blue Ridge Bank

$100M-$1B Specialty: Other SC FDIC cert 17773

Walhalla, SC

6 branches across SC

2664 banks in the $100M-$1B peer group nationally 27 in SC

Blue Ridge Bank has 3 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Deposit Franchise: Top 21.7% in tier
+ Delinquency Rate 0.89% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 15.0% in tier
- Efficiency Drag: Bottom 27.8% in tier
- ROA 0.80% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
Total Assets ?	$195.2M +0.9% YoY +0.7% QoQ	-$190.9M	$386.1M +0.5% YoY	$1.5B +4.7% YoY	$6.2B +9.1% YoY	25%
Total Loans ?	$131.4M +4.0% YoY +1.8% QoQ	-$124.3M	$255.7M +1.1% YoY	$993.8M +7.7% YoY	$3.2B +10.8% YoY	29%
Total Deposits ?	$178.1M +0.2% YoY +0.9% QoQ	-$149.9M	$328.0M +0.1% YoY	$1.3B +4.0% YoY	$4.8B +8.2% YoY	29%
Return on Assets ?	0.47% -18.6% YoY -25.7% QoQ	-0.80%	1.27% +12.9% YoY	1.18% +45.0% YoY	1.23% +13.4% YoY	Bottom 12.4% in tier
Net Interest Margin ?	4.78% +1.4% YoY -0.6% QoQ	+0.85%	3.93% +6.0% YoY	3.64% +5.2% YoY	3.89% +5.7% YoY	Top 11.4% in tier
Efficiency Ratio ?	86.44% +5.3% YoY +6.8% QoQ	+21.15%	65.29% -4.5% YoY	67.38% -5.7% YoY	66.95% -4.1% YoY	Bottom 9.2% in tier
Delinquency Rate ?	0.00% -100.0% YoY -100.0% QoQ	-0.89%	0.89% +18.8% YoY	0.54% +11.8% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	73.80% +3.8% YoY +0.9% QoQ	-2.84%	76.64% +0.8% YoY	73.64% +1.6% YoY	76.70% +0.9% YoY	60%
Non-Interest-Bearing Deposit Share ?	51.90% -3.0% YoY -0.2% QoQ	+29.88%	22.02% -1.0% YoY	20.84% -0.7% YoY	22.01% -1.2% YoY	Top 1.4% in tier
Nonperforming Asset Ratio ?	0.00% -100.0% YoY -100.0% QoQ	-0.64%	0.64% +19.7% YoY	0.34% +10.8% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	14.89% +2.7% YoY +1.6% QoQ	-0.94%	15.83% +1.5% YoY	17.50% +3.0% YoY	17.06% +0.8% YoY	65%
Non-Interest Income / Assets ?	0.09% +3.1% YoY -75.4% QoQ	-0.19%	0.28% +9.3% YoY	0.17% +48.2% YoY	0.32% +4.1% YoY	47%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Deposit Franchise

growth

#60 of 272 • Top 21.7% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 51.90%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.78%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank improving

Concerns (2)

Flatlined Growth

risk

#78 of 512 • Bottom 15.0% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.47%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 banks QoQ

Efficiency Drag

risk

#116 of 414 • Bottom 27.8% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 86.44%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (4 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

Non-Interest-Bearing Deposit Share

funding

Value: 51.90%

Peer Median: 22.02%

#37 of 2664 Top 1.4% in $100M-$1B

306

Net Interest Margin

profitability

Value: 4.78%

Peer Median: 3.93%

#306 of 2664 Top 11.4% in $100M-$1B

Top Weaknesses (2 metrics)

2421

Efficiency Ratio

profitability

Value: 86.44%

Peer Median: 65.29%

#2421 of 2664 Bottom 9.2% in $100M-$1B

2334

Return on Assets

profitability

Value: 0.47%

Peer Median: 1.27%

#2334 of 2664 Bottom 12.4% in $100M-$1B