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Blue Ridge Bank

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

Walhalla, SC

6 branches across SC

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 27 in SC.
  • Deposits +2.7% year over year ($181.8M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 0.54%.
  • Efficiency ratio 85.04% vs a 64.48% peer average.
  • Loan-to-deposit ratio 73.66% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 27 in SC
View $100M-$1B leaderboard (SC) →

Blue Ridge Bank has 3 strengths but faces 2 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 22.7% in tier
  • + Delinquency Rate 0.92% below tier average
  • + Nonperforming Asset Ratio 0.67% below tier average

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 29.1% in tier
  • - ROA 0.79% below tier average
Get updates when Blue Ridge Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
Total Assets ? $199.4M
+3.3% YoY +2.2% QoQ
-$187.1M $386.6M
+1.2% YoY
$1.5B
+5.6% YoY
$6.3B
+7.7% YoY
26%
Total Loans ? $133.9M
+5.6% YoY +1.9% QoQ
-$124.4M $258.3M
+1.7% YoY
$1.0B
+7.6% YoY
$3.2B
+9.4% YoY
30%
Total Deposits ? $181.8M
+2.7% YoY +2.1% QoQ
-$144.9M $326.7M
+0.7% YoY
$1.3B
+2.8% YoY
$4.9B
+7.3% YoY
30%
Return on Assets ? 0.54%
-6.5% YoY +14.7% QoQ
-0.79% 1.32%
+10.8% YoY
1.14%
+28.2% YoY
1.30%
+12.1% YoY
Bottom 13.3% in tier
Net Interest Margin ? 4.80%
+0.2% YoY +0.5% QoQ
+0.82% 3.99%
+5.0% YoY
3.68%
+4.4% YoY
3.95%
+4.9% YoY
Top 11.9% in tier
Efficiency Ratio ? 85.04%
+3.3% YoY -1.6% QoQ
+20.56% 64.48%
-3.2% YoY
67.24%
-4.2% YoY
70.05%
+2.5% YoY
Bottom 8.9% in tier
Delinquency Rate ? 0.00%
-100.0% YoY
-0.92% 0.92%
+15.7% YoY
0.46%
-16.5% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 73.66%
+2.8% YoY -0.2% QoQ
-4.30% 77.95%
+1.0% YoY
74.60%
+2.0% YoY
79.03%
+2.3% YoY
63%
Non-Interest-Bearing Deposit Share ? 53.34%
+0.2% YoY +2.8% QoQ
+31.31% 22.03%
-0.6% YoY
21.25%
-0.8% YoY
21.98%
-0.6% YoY
Top 1.1% in tier
Nonperforming Asset Ratio ? 0.00%
-100.0% YoY
-0.67% 0.67%
+16.4% YoY
0.29%
-15.5% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 14.60%
-0.8% YoY -1.9% QoQ
-1.30% 15.91%
+1.4% YoY
17.16%
+0.2% YoY
17.09%
+0.8% YoY
62%
Non-Interest Income / Assets ? 0.19%
+7.3% YoY +102.3% QoQ
-0.38% 0.57%
+7.6% YoY
0.29%
+23.1% YoY
0.66%
+5.2% YoY
45%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
Noninterest-Bearing 53.3%
+0.1pp YoY
+1.4pp QoQ
 +31.2pp 22.1% 21.7% 22.2% 99%
Brokered Deposits n/a n/a 7.9% 10.6% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
C&I 6.4%
+0.3pp YoY
-0.4pp QoQ
 -5.1pp 11.6% 9.8% 12.5% 28%
CRE 24.3%
+0.5pp YoY
+0.6pp QoQ
 -15.2pp 39.5% 43.3% 41.4% 25%
1-4 Family 67.6%
-0.1pp YoY
+0.4pp QoQ
 +34.9pp 32.6% 44.4% 31.3% 93%
Consumer 2.3%
-0.1pp YoY
0.0pp QoQ
 -1.8pp 4.1% 4.5% 5.0% 52%

Capital

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
CET1 Ratio 14.6%
-0.1pp YoY
-0.3pp QoQ
 -4.2pp 18.8% 18.1% 19.7% 45%
Leverage Ratio 9.2%
+0.2pp YoY
-0.1pp QoQ
 -3.0pp 12.2% 12.3% 12.6% 15%
Total Capital Ratio 15.9%
-0.1pp YoY
-0.3pp QoQ
 -4.1pp 19.9% 19.1% 20.8% 46%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
Full-Time Employees 49
+2 (+4.3%) YoY
+2 (+4.3%) QoQ
 -10 58 174 482 52%
Assets per Employee ($) $4.1M
-1.0% YoY
-2.0% QoQ
 -$3.4M $7.5M $7.8M $8.8M 5%
Branch Count 6
0 YoY
0 QoQ
 +1 4 12 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.0% 0.4% n/a
Nonaccrual n/a n/a 0.9% 0.5% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 15.59x 20.23x n/a
Net Charge-off Rate (YTD) 0.0%
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 32%

Profitability

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
ROE 6.2%
-0.9pp YoY
+0.8pp QoQ
 -5.9pp 12.2% 11.7% 11.6% 18%
Cost of Funds (YTD) 0.6%
0.0pp YoY
0.0pp QoQ
 -1.1pp 1.7% 1.6% 1.7% 2%
Net Income ($, YTD) $525,000
-3.5% YoY
— QoQ
 -$2.0M $2.6M $9.6M $40.4M 11%

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
#64 of 278 • Top 22.7% 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: 53.34%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 4.80%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank declining

Concerns (1)

Efficiency Drag

risk
#106 of 361 • Bottom 29.1% in tier

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

Why this signature
Efficiency Ratio: 85.04%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
361 of 361 Community banks match · 426 nationally
↓ Shrinking -64 banks QoQ | QoQ rank improving

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B
31
Non-Interest-Bearing Deposit Share
funding
Value: 53.34%
Peer Median: 22.03%
#31 of 2643 Top 1.1% in $100M-$1B
315
Net Interest Margin
profitability
Value: 4.80%
Peer Median: 3.99%
#315 of 2643 Top 11.9% in $100M-$1B

Top Weaknesses (2 metrics)

2409
Efficiency Ratio
profitability
Value: 85.04%
Peer Median: 64.48%
#2409 of 2643 Bottom 8.9% in $100M-$1B
2292
Return on Assets
profitability
Value: 0.54%
Peer Median: 1.32%
#2292 of 2643 Bottom 13.3% in $100M-$1B
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