← The catalogue
Q2 2026 · read from the 30 June 2026 Call Report · United States · Southeast · Virginia, the state note

Blue Ridge Bank N.A.

Martinsville, Virginia · $2.31B in assets · beside the 11 other Virginia banks between $1B and $3B

The filing

0.01%
ROA
12th of 12
89.8%
Efficiency
12th of 12
-6.9%
Loans, year over year
12th of 12, largest first

Blue Ridge Bank N.A. is the fourth largest of the 12 Virginia banks nearest its size between $1B and $3B, with $2.31B in assets at 30 June 2026. Loans are 98.0% of deposits, 10th of 12 against a median of 91.1%, and equity is 10.6% of assets, 9th of 12. Loans grew -6.9% in the year, the slowest in the cohort, and deposits fell 7.5%; the cohort's median loan growth is +3.7%.

Noncurrent loans are 1.68% of the book, 11th of 12 against a median of 0.39%; 0.47% is 30 to 89 days past due, and the allowance covers them 0.7 times. Commercial real estate is 39.6% of loans, 4th of 12 against a median of 41.6%, and 255% of capital, below the 300% screen, with construction at 29% against the 100% screen.

Return on assets is 0.01%, the lowest in the cohort against a median of 1.17%, on an efficiency ratio of 89.8%, the highest in the cohort. Five years ago it was 2.04%. The question is cost: what the efficiency ratio does to earnings when the margin compresses.

Return on assetsVA banks $1B to $3B · 30 June 2026 · higher is stronger, listed first
median 1.17% VN Virginia National Bank 1.86% CB Chain Bridge Bank N.A. 1.81% CB Chesapeake Bank 1.72% F Fvcbank 1.42% CF Citizens & Farmers Bank 1.26% JM John Marshall Bank 1.20% FB First Bank 1.13% Bo Bank of Clarke 1.02% MB Mainstreet Bank 0.91% OD Old Dominion National Bank 0.79% NB National Bank of Blacksburg 0.55% BR Blue Ridge Bank N.A. 0.01%
Loans, year over yearVA banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +3.7% CB Chesapeake Bank +18.5% MB Mainstreet Bank +9.0% OD Old Dominion National Bank +8.2% CF Citizens & Farmers Bank +6.0% JM John Marshall Bank +5.1% Bo Bank of Clarke +4.4% FB First Bank +3.0% F Fvcbank +1.6% NB National Bank of Blacksburg +0.3% VN Virginia National Bank -0.6% CB Chain Bridge Bank N.A. -4.7% BR Blue Ridge Bank N.A. -6.9%

SBA 7(a), FY2008 to FY2026

Blue Ridge Bank N.A. is the 43rd largest 7(a) lender into Virginia of 332, with $42M across 78 loans, 0.6% of everything approved in the state (Live Oak Banking Company leads with $669M). 60 of its 78 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Virginia, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Lancaster, VA$10M1st of 1047.7%+18.7 pts
Fluvanna, VA$5M1st of 1441.9%quiet FY2020
Charlottesville City, VA$5M3rd of 329.6%-15.1 pts
Summit, UT$5M12th of 563.0%quiet FY2022
Mecklenburg, NC$5M60th of 1770.2%quiet FY2022
Potter, TX$5M7th of 494.4%quiet FY2022
Clay, NE$4M1st of 462.3%quiet FY2021
Robeson, NC$4M6th of 373.7%quiet FY2020
Fulton, GA$4M98th of 2110.1%-0.2 pts
Boulder, CO$4M44th of 1440.4%quiet FY2022
Larimer, CO$3M47th of 1330.4%quiet FY2021
Anchorage, AK$3M26th of 770.6%quiet FY2021
Albemarle, VA$3M5th of 486.0%quiet FY2021
65 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Construction13$22M17.6%0.07%217th of 2,063
Manufacturing16$16M12.8%0.04%343rd of 2,246
Wholesale trade17$15M12.1%0.06%228th of 1,651
Other services14$11M8.7%0.03%343rd of 2,248
Accommodation & food services26$11M8.6%0.01%555th of 2,596
7(a) lenders into Virginia, share of approvals since FY2008332 lenders on record; the ten largest and Blue Ridge Bank N.A.
LO Live Oak Banking Company 9.2% $669M · 493 loans TB Truist Bank 6.8% $497M · 1,580 loans WF Wells Fargo Bank National Associa… 5.0% $365M · 1,549 loans AU Atlantic Union Bank 4.0% $294M · 765 loans Ma Manufacturers and Traders Trust C… 3.5% $254M · 1,602 loans TH The Huntington National Bank 3.0% $219M · 454 loans FN First National Bank of Pennsylvan… 2.4% $176M · 195 loans PB Primis Bank 2.4% $175M · 522 loans G Gbank 2.3% $170M · 69 loans TF The First Bank and Trust Company 2.2% $161M · 227 loans BR Blue Ridge Bank National Associat… 0.6% $42M · 78 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Blue Ridge Bank N.A.RankCohort median
Total CRE against capital, the 300% screen255%6th of 12261%
Construction against capital, the 100% screen29%3rd of 1244%
Construction and land development, share of loans4.5%3rd of 127.5%
Non-owner-occupied nonfarm nonresidential, share of loans23.9%4th of 1226.2%
Total CRE, the guidance definition, share of loans39.6%4th of 1241.6%
CRE growth over 36 months, the third prong-16.5%3rd of 12+15.2%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Citizens & Farmers Bank$2.79B1.3%64.8%0.09%0.57%1.8%90.7%11.7%
John Marshall Bank$2.40B1.2%49.1%0.01%0.01%1.0%100.9%12.3%
Fvcbank$2.36B1.4%48.8%0.59%0.00%1.0%92.3%11.8%
Blue Ridge Bank N.A.$2.31B0.0%89.8%1.68%0.03%1.2%98.0%10.6%
Mainstreet Bank$2.24B0.9%65.0%3.15%0.03%1.0%100.5%12.5%
Chain Bridge Bank N.A.$2.19B1.8%40.4%0.00%0.00%1.4%13.7%8.1%
First Bank$2.07B1.1%67.3%0.32%0.09%1.0%80.6%9.4%
Bank of Clarke$1.85B1.0%62.5%1.07%0.29%1.2%93.9%12.0%
National Bank of Blacksburg$1.83B0.6%59.2%0.06%0.02%1.0%61.4%9.2%
Old Dominion National Bank$1.80B0.8%61.4%0.85%0.26%0.9%91.5%10.7%
Chesapeake Bank$1.72B1.7%65.8%0.24%0.07%1.1%75.0%10.7%
Virginia National Bank$1.64B1.9%44.6%0.47%0.00%0.7%87.5%11.9%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Blue Ridge Bank N.A.Cohort median
20212026Change20212026Change
Loans$2.01B$1.85B-8%$1.02B$1.50B+46%
Deposits$2.20B$1.89B-14%$1.47B$1.87B+27%
NPA / loans0.69%1.68%+0.99 pts0.26%0.39%+0.14 pts
Efficiency57.5%89.8%+32.2 pts65.5%61.9%-3.5 pts
ROA2.04%0.01%-2.03 pts1.21%1.17%-0.05 pts

This read was prepared for Blue Ridge Bank N.A.'s board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Blue Ridge Bank N.A. is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort VA banks $1B to $3B
Institution www.mybrb.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
← Back to the catalogue