BlastPoint's Banking Scorecard

Blue Ridge Bank, National Association

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

Martinsville, VA

27 branches across VA · NC

884 banks in the $1B-$10B peer group nationally 24 in 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 0.1% in tier
- Deposit Outflow: Bottom 26.9% in tier
- Capital Constraint: Bottom 43.2% in tier
- Return on Assets 1.17% below tier average
- Efficiency Ratio 32.91% above tier average
- Net Interest Margin 0.82% below tier average
- Delinquency Rate 0.27% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Total Assets ?	$2.4B -10.2% YoY -0.7% QoQ	-$420.1M	$2.8B -0.1% YoY	$17.9B +25.7% YoY	$6.2B +9.1% YoY	60%
Total Loans ?	$1.8B -11.9% YoY -2.5% QoQ	-$150.1M	$2.0B +0.6% YoY	$10.6B +27.9% YoY	$3.2B +10.8% YoY	63%
Total Deposits ?	$2.0B -9.3% YoY +2.0% QoQ	-$369.2M	$2.3B -0.3% YoY	$14.1B +22.4% YoY	$4.8B +8.2% YoY	59%
Return on Assets ?	0.19% +192.8% YoY -61.3% QoQ	-1.17%	1.37% +19.6% YoY	1.15% +53.9% YoY	1.23% +13.4% YoY	Bottom 4.0% in tier
Net Interest Margin ?	3.00% -2.3% YoY -9.4% QoQ	-0.82%	3.82% +6.9% YoY	3.81% +7.1% YoY	3.89% +5.7% YoY	17%
Efficiency Ratio ?	93.97% -3.8% YoY +10.0% QoQ	+32.91%	61.06% -4.6% YoY	65.58% -7.6% YoY	66.95% -4.1% YoY	Bottom 1.7% in tier
Delinquency Rate ?	1.16% -4.1% YoY -9.3% QoQ	+0.27%	0.89% +14.1% YoY	0.77% +12.4% YoY	0.95% +18.8% YoY	23%
Loan-to-Deposit Ratio ?	91.92% -2.9% YoY -4.4% QoQ	+7.72%	84.20% +0.3% YoY	79.34% +0.5% YoY	76.70% +0.9% YoY	31%
Non-Interest-Bearing Deposit Share ?	23.97% +4.6% YoY +9.9% QoQ	+2.68%	21.29% -2.5% YoY	25.27% -0.4% YoY	22.01% -1.2% YoY	68%
Nonperforming Asset Ratio ?	0.93% -1.0% YoY -10.8% QoQ	+0.26%	0.67% +15.6% YoY	0.55% +12.2% YoY	0.67% +19.3% YoY	23%
Tier 1 Capital Ratio ?	15.33% -9.2% YoY -15.7% QoQ	+0.17%	15.16% +2.0% YoY	16.28% +2.7% YoY	17.06% +0.8% YoY	76%
Non-Interest Income / Assets ?	0.08% -22.9% YoY -82.9% QoQ	-0.18%	0.26% +1.6% YoY	0.18% +27.1% YoY	0.32% +4.1% YoY	23%

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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 (3)

Liquidity Strain

risk

#1 of 334 • Bottom 0.1% 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: 91.92%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

334 of 334 Mid-Market banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Deposit Outflow

decline

#36 of 130 • Bottom 26.9% in tier

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

130 of 130 Mid-Market banks match · 656 nationally

→ Stable -8 banks QoQ | QoQ rank declining

Capital Constraint

risk

#17 of 37 • Bottom 43.2% 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: 91.92%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

Tier 1 Capital Ratio: 15.33%

(Tier: 15.16%, National: 17.06%)

better than tier avg

37 of 37 Mid-Market banks match · 148 nationally

↑ Growing +19 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).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (1 metrics)

214

Tier 1 Capital Ratio

capital

Value: 15.33%

Peer Median: 15.16%

#214 of 884 Top 24.1% in $1B-$10B

Top Weaknesses (6 metrics)

870

Efficiency Ratio

profitability

Value: 93.97%

Peer Median: 61.06%

#870 of 884 Bottom 1.7% in $1B-$10B

850

Return on Assets

profitability

Value: 0.19%

Peer Median: 1.37%

#850 of 884 Bottom 4.0% in $1B-$10B

735

Net Interest Margin

profitability

Value: 3.00%

Peer Median: 3.82%

#735 of 884 Bottom 17.0% in $1B-$10B

685

Non-Interest Income / Assets

revenue_mix

Value: 0.08%

Peer Median: 0.26%

#685 of 884 Bottom 22.6% in $1B-$10B

681

Delinquency Rate

credit_quality

Value: 1.16%

Peer Median: 0.89%

#681 of 880 Bottom 22.7% in $1B-$10B

683

Nonperforming Asset Ratio

credit_quality

Value: 0.93%

Peer Median: 0.67%

#683 of 884 Bottom 22.9% in $1B-$10B