Blue Ridge Bank NA
Martinsville, Virginia · FDIC Cert #35274
Blue Ridge Bank NA is an FDIC-insured bank (Certificate #35274) with $2.9B in total assets and $2.4B in total deposits as of the Q2 2024 Call Report. Headquartered in Martinsville, Virginia, the bank maintains a Tier 1 capital ratio of 14.19% (Well-Capitalized) and a nonperforming loan ratio of 1.78%. BankHealthData assigns a composite Health Grade of C (63/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Blue Ridge Bank NA (FDIC cert 35274) is a mid-sized bank with $2.9B in total assets and $2.4B in deposits, based in Martinsville, Virginia. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Capital position is strong: Tier 1 capital ratio of 14.19% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 1.78% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is in the normal range: 15.0% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is negative: ROA of -0.35% means the bank lost money during the reporting period. Sustained negative ROA erodes capital and triggers escalating regulatory attention. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. Blue Ridge Bank NA carries a composite BankHealth grade of C (63/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Blue Ridge Bank NA
- Total Assets
- $2.9B
- Total Deposits
- $2.4B
- Tier 1 Capital Ratio
- 14.19%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 1.78%
- Liquidity Ratio
- 15.03%
- Return on Assets
- -0.35%
- Headquarters
- Martinsville, Virginia
- FDIC Certificate
- #35274
- Health Grade
- C (63/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Blue Ridge Bank NA holds a Tier 1 capital ratio of 14.19%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Blue Ridge Bank NA has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Blue Ridge Bank NA shows average financial health. While not alarming, its Health Score of 63/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Blue Ridge Bank NA Compares
Blue Ridge Bank NA’s Health Score of 63 is 9 points below the Virginia state average of 72 across 49 FDIC-insured banks. Its 14.19% Tier 1 capital ratio is 0.2 points above the US banking industry average near 14%. The 1.78% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of -0.35% is below the national ROA benchmark of ~1.1%. Among 457 similarly-sized banks, the average Health Score is 73, meaning this bank ranks below its size cohort. Site-wide, Blue Ridge Bank NA is 7 points below the portfolio average of 70.
Frequently Asked Questions
Blue Ridge Bank NA has a Bank Health Score of C (63/100), placing it in average financial health. It holds a Tier 1 capital ratio of 14.19%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Blue Ridge Bank NA's Tier 1 capital ratio of 14.19% and nonperforming loan ratio of 1.78% indicate an average risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Blue Ridge Bank NA is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #35274). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Blue Ridge Bank NA holds $2.9B in total assets and $2.4B in total deposits. It is headquartered in Martinsville, Virginia (FDIC Certificate #35274).
Blue Ridge Bank NA has a Tier 1 capital ratio of 14.19%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.78%, and the return on assets is -0.35%.
Yes. Blue Ridge Bank NA is FDIC-insured (Certificate #35274). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An C grade on our Bank Health Score means 55-69/100 — average across capital, loan quality, and profitability. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Blue Ridge Bank NA's metrics are around average for the industry. There's no urgent action needed for FDIC-insured deposits, but it's worth monitoring quarterly updates. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.