BlastPoint's Banking Scorecard

Blue Ridge Bank and Trust Co.

$100M-$1B Specialty: Commercial MO FDIC cert 17933

Independence, MO

8 branches across MO

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 140 in MO.
Deposits +3.4% year over year ($714.0M on the books).
Delinquency rate 0.13%.
Return on assets 1.40%.
Efficiency ratio 56.79% vs a 64.48% peer average.
Loan-to-deposit ratio 91.61% 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 140 in MO

View $100M-$1B leaderboard (MO) →

Blue Ridge Bank and Trust Co. has 3 strengths but faces 1 concern

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

+ ROA 0.07% above tier average
+ Efficiency Ratio 7.69% below tier average
+ Delinquency Rate 0.79% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 31.3% in tier

Get updates when Blue Ridge Bank and Trust Co. releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$866.6M +6.0% YoY -1.7% QoQ	+$480.0M	$386.6M +1.2% YoY	$1.6B +6.4% YoY	$6.3B +7.7% YoY	Top 5.0% in tier
Total Loans ?	$654.1M +7.1% YoY +0.8% QoQ	+$395.8M	$258.3M +1.7% YoY	$1.0B +10.0% YoY	$3.2B +9.4% YoY	Top 3.8% in tier
Total Deposits ?	$714.0M +3.4% YoY -3.8% QoQ	+$387.3M	$326.7M +0.7% YoY	$1.3B +6.1% YoY	$4.9B +7.3% YoY	Top 6.0% in tier
Return on Assets ?	1.40% +27.9% YoY +8.5% QoQ	+0.07%	1.32% +10.8% YoY	1.46% +5.9% YoY	1.30% +12.1% YoY	59%
Net Interest Margin ?	3.99% +6.4% YoY +2.9% QoQ	+0.00%	3.99% +5.0% YoY	4.55% +0.7% YoY	3.95% +4.9% YoY	53%
Efficiency Ratio ?	56.79% -7.4% YoY -0.2% QoQ	-7.69%	64.48% -3.2% YoY	59.57% -3.2% YoY	70.05% +2.5% YoY	67%
Delinquency Rate ?	0.13% -39.2% YoY +22.8% QoQ	-0.79%	0.92% +15.7% YoY	0.82% +12.6% YoY	0.98% +16.3% YoY	71%
Loan-to-Deposit Ratio ?	91.61% +3.5% YoY +4.8% QoQ	+13.66%	77.95% +1.0% YoY	80.82% +1.6% YoY	79.03% +2.3% YoY	23%
Non-Interest-Bearing Deposit Share ?	23.99% -8.6% YoY -10.8% QoQ	+1.96%	22.03% -0.6% YoY	20.71% -0.5% YoY	21.98% -0.6% YoY	63%
Nonperforming Asset Ratio ?	0.10% -38.6% YoY +26.0% QoQ	-0.57%	0.67% +16.4% YoY	0.67% +14.9% YoY	0.69% +15.8% YoY	71%
Tier 1 Capital Ratio ?	11.62% +8.8% YoY -2.9% QoQ	-4.29%	15.91% +1.4% YoY	15.38% -1.1% YoY	17.09% +0.8% YoY	31%
Non-Interest Income / Assets ?	0.35% -9.7% YoY +101.5% QoQ	-0.22%	0.57% +7.6% YoY	0.58% +5.8% YoY	0.66% +5.2% YoY	79%

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 (MO)	National Avg	Tier Percentile
Noninterest-Bearing	24.0% -2.2pp YoY -2.9pp QoQ	+1.8pp	22.1%	20.9%	22.2%	62%
Brokered Deposits	0.0%	-7.9pp	7.9%	7.4%	8.5%	4%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
C&I	11.0% -1.4pp YoY -0.1pp QoQ	-0.6pp	11.6%	12.3%	12.5%	58%
CRE	64.4% +3.8pp YoY +0.9pp QoQ	+24.9pp	39.5%	36.8%	41.4%	89%
1-4 Family	5.0% -0.5pp YoY -0.6pp QoQ	-27.6pp	32.6%	31.9%	31.3%	5%
Consumer	20.1% -2.9pp YoY -0.3pp QoQ	+16.0pp	4.1%	4.1%	5.0%	98%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
CET1 Ratio	11.6% +0.9pp YoY -0.3pp QoQ	-7.2pp	18.8%	18.5%	19.7%	13%
Leverage Ratio	10.0% +0.7pp YoY +0.3pp QoQ	-2.1pp	12.2%	11.6%	12.6%	32%
Total Capital Ratio	12.9% +0.9pp YoY -0.3pp QoQ	-7.1pp	19.9%	19.6%	20.8%	15%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Full-Time Employees	118 -2 (-1.7%) YoY +1 (+0.9%) QoQ	+59	58	162	482	92%
Assets per Employee ($)	$7.3M +7.8% YoY -2.5% QoQ	-$174K	$7.5M	$8.0M	$8.8M	58%
Branch Count	8 0 YoY 0 QoQ	+3	4	10	18	82%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.3%	0.4%	n/a
Nonaccrual	0.1% -0.1pp YoY 0.0pp QoQ	-0.8pp	0.9%	0.8%	1.0%	22%
Allowance Coverage	12.67x +65.5% YoY -19.7% QoQ	-11.48x	24.15x	10.47x	20.23x	84%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.1%	0.3%	0.2%	21%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
ROE	14.8% +2.4pp YoY +0.8pp QoQ	+2.6pp	12.2%	14.3%	11.6%	66%
Cost of Funds (YTD)	1.6% -0.3pp YoY 0.0pp QoQ	-0.1pp	1.7%	1.8%	1.7%	47%
Net Income ($, YTD)	$6.1M +36.2% YoY — QoQ	+$3.6M	$2.6M	$11.3M	$40.4M	92%

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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 (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Strain

risk

#217 of 691 • Bottom 31.3% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 91.61%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ

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 2643 peers in $100M-$1B

Top Strengths (4 metrics)

102

Total Loans

size

Value: $654.14M

Peer Median: $258.35M

#102 of 2643 Top 3.8% in $100M-$1B

134

Total Assets

size

Value: $866.61M

Peer Median: $386.57M

#134 of 2643 Top 5.0% in $100M-$1B

159

Total Deposits

size

Value: $714.01M

Peer Median: $326.73M

#159 of 2643 Top 6.0% in $100M-$1B

546

Non-Interest Income / Assets

revenue_mix

Value: 0.35%

Peer Median: 0.57%

#546 of 2643 Top 20.6% in $100M-$1B

Top Weaknesses (1 metrics)

2038

Loan-to-Deposit Ratio

liquidity

Value: 91.61%

Peer Median: 77.95%

#2038 of 2643 Bottom 22.9% in $100M-$1B