BlastPoint's Banking Scorecard

Blue Ridge Bank, National Association

$1B-$10B Specialty: Commercial VA FDIC cert 35274

Designations: ✓ Community bank

Martinsville, VA

27 branches across VA · NC

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 885 banks in the $1B-$10B peer group nationwide — 1 of 23 in VA.
Deposits -7.5% year over year ($1.9B on the books).
Delinquency rate 1.70%.
Return on assets 0.01%.
Efficiency ratio 88.71% vs a 59.73% peer average.
Loan-to-deposit ratio 96.82% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 23 in VA

View $1B-$10B leaderboard (VA) →

Blue Ridge Bank, National Association faces 7 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 2.8% in tier
- Deposit Outflow: Bottom 7.6% in tier
- Efficiency Drag: Bottom 26.7% in tier
- Capital Constraint: Bottom 53.1% in tier
- Return on Assets 1.38% below tier average
- Net Interest Margin 0.87% below tier average
- Delinquency Rate 0.84% above tier average

Get updates when Blue Ridge Bank, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Total Assets ?	$2.3B -9.0% YoY -3.6% QoQ	-$483.2M	$2.8B -0.6% YoY	$17.9B +3.0% YoY	$6.3B +7.7% YoY	57%
Total Loans ?	$1.8B -7.0% YoY +0.9% QoQ	-$131.8M	$2.0B -0.3% YoY	$10.9B +3.1% YoY	$3.2B +9.4% YoY	63%
Total Deposits ?	$1.9B -7.5% YoY -4.2% QoQ	-$427.3M	$2.3B -0.5% YoY	$14.1B +3.2% YoY	$4.9B +7.3% YoY	56%
Return on Assets ?	0.01% -94.0% YoY -93.9% QoQ	-1.38%	1.39% +17.0% YoY	1.34% +70.7% YoY	1.30% +12.1% YoY	Bottom 1.6% in tier
Net Interest Margin ?	3.00% -5.9% YoY +0.2% QoQ	-0.87%	3.87% +6.2% YoY	3.88% +6.6% YoY	3.95% +4.9% YoY	Bottom 14.7% in tier
Efficiency Ratio ?	88.71% -5.3% YoY -5.6% QoQ	+28.99%	59.73% -12.6% YoY	62.24% -10.7% YoY	70.05% +2.5% YoY	Bottom 2.1% in tier
Delinquency Rate ?	1.70% +38.5% YoY +46.9% QoQ	+0.84%	0.87% +11.7% YoY	0.72% +0.1% YoY	0.98% +16.3% YoY	Bottom 12.2% in tier
Loan-to-Deposit Ratio ?	96.82% +0.5% YoY +5.3% QoQ	+11.79%	85.04% -0.1% YoY	80.15% +0.8% YoY	79.03% +2.3% YoY	21%
Non-Interest-Bearing Deposit Share ?	22.49% -1.6% YoY -6.1% QoQ	+1.22%	21.27% -1.5% YoY	26.19% +3.5% YoY	21.98% -0.6% YoY	62%
Nonperforming Asset Ratio ?	1.41% +47.7% YoY +51.0% QoQ	+0.74%	0.67% +11.7% YoY	0.52% -0.4% YoY	0.69% +15.8% YoY	Bottom 12.1% in tier
Tier 1 Capital Ratio ?	15.10% -15.4% YoY -1.5% QoQ	+0.26%	14.84% -0.4% YoY	16.58% +3.9% YoY	17.09% +0.8% YoY	74%
Non-Interest Income / Assets ?	0.14% -37.7% YoY +76.8% QoQ	-0.39%	0.53% +2.5% YoY	0.52% +72.6% YoY	0.66% +5.2% YoY	16%

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 (VA)	National Avg	Tier Percentile
Noninterest-Bearing	22.5% -0.4pp YoY -1.5pp QoQ	+1.1pp	21.4%	26.2%	22.2%	62%
Brokered Deposits	9.8% -4.7pp YoY -0.7pp QoQ	+0.4pp	9.5%	8.5%	8.5%	68%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
C&I	14.6% -1.3pp YoY +0.6pp QoQ	+0.6pp	14.0%	11.0%	12.5%	66%
CRE	49.5% +1.7pp YoY -0.7pp QoQ	-0.5pp	50.0%	46.9%	41.4%	48%
1-4 Family	34.8% +0.7pp YoY +0.4pp QoQ	+8.3pp	26.4%	32.6%	31.3%	74%
Consumer	1.5% -1.0pp YoY -0.1pp QoQ	-3.2pp	4.7%	8.0%	5.0%	55%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
CET1 Ratio	15.1% -2.8pp YoY -0.2pp QoQ	-0.5pp	15.6%	17.2%	19.7%	70%
Leverage Ratio	11.2% -1.7pp YoY +0.2pp QoQ	-0.1pp	11.3%	12.2%	12.6%	64%
Total Capital Ratio	16.4% -2.5pp YoY -0.1pp QoQ	-0.3pp	16.7%	18.3%	20.8%	71%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Full-Time Employees	254 -76 (-23.0%) YoY -28 (-9.9%) QoQ	-60	313	1,956	482	56%
Assets per Employee ($)	$9.1M +18.3% YoY +7.1% QoQ	-$1.4M	$10.5M	$9.9M	$8.8M	55%
Branch Count	27 0 YoY 0 QoQ	+7	20	28	18	78%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% 0.0pp YoY +0.1pp QoQ	0.0pp	0.2%	0.2%	0.4%	82%
Nonaccrual	1.6% +0.4pp YoY +0.5pp QoQ	+0.7pp	0.8%	0.7%	1.0%	87%
Allowance Coverage	0.71x -22.1% YoY -22.5% QoQ	-18.00x	18.71x	9.47x	20.23x	12%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY +0.1pp QoQ	-0.2pp	0.3%	0.2%	0.2%	46%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
ROE	0.1% -1.6pp YoY -1.6pp QoQ	-12.5pp	12.6%	12.0%	11.6%	1%
Cost of Funds (YTD)	2.1% -0.2pp YoY 0.0pp QoQ	+0.2pp	1.9%	1.7%	1.7%	68%
Net Income ($, YTD)	$140,000 -94.6% YoY — QoQ	-$19.1M	$19.2M	$137.1M	$40.4M	2%

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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 (4)

Liquidity Strain

risk

#11 of 361 • Bottom 2.8% 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: 96.82%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

361 of 361 Mid-Market banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank declining

Deposit Outflow

decline

#11 of 131 • Bottom 7.6% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

131 of 131 Mid-Market banks match · 686 nationally

→ Stable +31 banks QoQ | QoQ rank improving

Efficiency Drag

risk

#17 of 60 • Bottom 26.7% in tier

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

Why this signature

Efficiency Ratio: 88.71%

(Tier: 59.73%, National: 70.05%)

worse than tier avg

60 of 60 Mid-Market banks match · 426 nationally

↓ Shrinking -64 banks QoQ | QoQ rank improving

Capital Constraint

risk

#18 of 32 • Bottom 53.1% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature

Loan-to-Deposit Ratio: 96.82%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

Tier 1 Capital Ratio: 15.10%

(Tier: 14.84%, National: 17.09%)

better than tier avg

32 of 32 Mid-Market banks match · 143 nationally

→ Stable -5 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 885 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (7 metrics)

872

Return on Assets

profitability

Value: 0.01%

Peer Median: 1.39%

#872 of 885 Bottom 1.6% in $1B-$10B

867

Efficiency Ratio

profitability

Value: 88.71%

Peer Median: 59.73%

#867 of 885 Bottom 2.1% in $1B-$10B

779

Nonperforming Asset Ratio

credit_quality

Value: 1.41%

Peer Median: 0.67%

#779 of 885 Bottom 12.1% in $1B-$10B

775

Delinquency Rate

credit_quality

Value: 1.70%

Peer Median: 0.87%

#775 of 882 Bottom 12.2% in $1B-$10B

756

Net Interest Margin

profitability

Value: 3.00%

Peer Median: 3.87%

#756 of 885 Bottom 14.7% in $1B-$10B

743

Non-Interest Income / Assets

revenue_mix

Value: 0.14%

Peer Median: 0.53%

#743 of 885 Bottom 16.2% in $1B-$10B

699

Loan-to-Deposit Ratio

liquidity

Value: 96.82%

Peer Median: 85.04%

#699 of 885 Bottom 21.1% in $1B-$10B