TellerScore

Blue Ridge Bank (FDIC certificate #17773) is based in Walhalla, South Carolina. Its Q2 2026 call report shows $199.4M in total assets and $181.8M in deposits and 6 offices.

Blue Ridge Bank has a TellerScore of 69 out of 100 (moderate) based on Q2 2026 data — higher than only 40% of its 2,650 banks with $100 million – $1 billion. Among 44 banks headquartered in South Carolina, it ranks 31st. Loan quality contributes the most (100/100, 0.00%); earnings contributes the least (41/100, 0.54%).

TellerScore · Q2 2026

Scorecard

Capital cushion42/100
Tier 1 leverage ratio: 9.19%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings41/100
Return on assets (annualized): 0.54%
Funding & liquidity87/100
Loans ÷ deposits and uninsured-deposit share: 73.7% · 8.9% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (68 → 69).

TellerScore
677072Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202470
Q3 202472
Q4 202470
Q1 202569
Q2 202568
Q3 202567
Q4 202567
Q1 202669
Q2 202669
Tier 1 leverage ratio
5.00%7.30%9.59%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.46%
Q3 20249.59%
Q4 20249.28%
Q1 20259.09%
Q2 20258.95%
Q3 20259.03%
Q4 20259.01%
Q1 20269.26%
Q2 20269.19%
Noncurrent loans
0.00%0.11%0.22%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.01%
Q3 20240.00%
Q4 20240.03%
Q1 20250.03%
Q2 20250.04%
Q3 20250.20%
Q4 20250.22%
Q1 20260.00%
Q2 20260.00%
Return on assets
0.47%0.65%0.84%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.69%
Q3 20240.84%
Q4 20240.76%
Q1 20250.57%
Q2 20250.57%
Q3 20250.63%
Q4 20250.63%
Q1 20260.47%
Q2 20260.54%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$199.4M9.19%0.00%0.54%73.7%
Q1 202669$195.2M9.26%0.00%0.47%73.8%
Q4 202567$193.8M9.01%0.22%0.63%73.1%
Q3 202567$195.3M9.03%0.20%0.63%72.1%
Q2 202568$193.2M8.95%0.04%0.57%71.7%
Q1 202569$193.5M9.09%0.03%0.57%71.1%
Q4 202470$183.4M9.28%0.03%0.76%76.3%
Q3 202472$175.7M9.59%0.00%0.84%79.7%
Q2 202470$175.1M9.46%0.01%0.69%77.8%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.19%
15th
Total risk-based capital15.86%
72nd
Problem loans0.00%
94th
Net charge-offs0.00%
57th
Return on assets0.54%
13th
Net interest margin4.80%
88th
Efficiency ratio85.0%
9th
Loans to deposits73.7%
63rd
Uninsured deposits8.9%
95th
Loan-loss reserves1.60%
84th
Texas ratio0.0%
95th

Similar-size banks in South Carolina

InstitutionScoreAssetsCapitalProblem loansCompare
CBL State Savings BankBank Greer, SC80 out of 100, Strong$191.3M15.9%0.01%vs
Bank of GreeleyvilleBank Greeleyville, SC75 out of 100, Strong$160.1M10.6%0.38%vs
Spratt Savings BankBank Chester, SC82 out of 100, Strong$154.4M20.4%0.23%vs
1st Federal Savings Bank of SC, Inc.Bank Walterboro, SC68 out of 100, Moderate$151.6M9.7%0.00%vs
Abbeville First Bank, SSBBank Abbeville, SC64 out of 100, Moderate$138.8M10.4%0.81%vs
Pickens Savings and Loan Association, FABank Pickens, SC75 out of 100, Strong$138.3M10.9%0.00%vs

Deposit insurance

Is my money safe at Blue Ridge Bank?

Yes. Blue Ridge Bank is an FDIC-insured institution (FDIC certificate #17773). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 8.9% of deposits ($16.2M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.19%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.86% (benchmark: 10%).

Check how much of your own balance is covered

6 locations

Branches

Blue Ridge Bank lists 6 offices in 5 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Blue Ridge Bank
Former names
Blue Ridge Bank of Walhalla
Type
State-chartered bank
FDIC certificate #
17773
RSSD ID
174321
Primary regulator
FDIC
Holding company
Blue Ridge Financial Corp
Established
June 17, 1957
Headquarters
100 E Main St, Walhalla, SC 29691
Employees
49

Quick answers

Blue Ridge Bank: common questions

Is Blue Ridge Bank FDIC insured?

Yes. Blue Ridge Bank is an FDIC-insured institution (FDIC certificate #17773). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Blue Ridge Bank's TellerScore?

69 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Blue Ridge Bank ever failed?

There is no failure record for FDIC certificate #17773 in the FDIC failed bank list.

How many branches does Blue Ridge Bank have?

6 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Walhalla

InstitutionScoreAssetsCapitalProblem loansCompare
Northeast Georgia BankBank Lavonia, GA93 out of 100, Very strong$650.6M13.4%0.01%vs
S. C. State Federal Credit UnionCredit union Columbia, SC91 out of 100, Very strong$1.5B15.6%0.82%vs
The Peoples BankBank Iva, SC89 out of 100, Very strong$446.7M12.9%0.00%vs
First American Bank and Trust CompanyBank Athens, GA86 out of 100, Very strong$901.9M13.3%0.00%vs
The Wright Credit UnionCredit union Toccoa, GA84 out of 100, Strong$16.2M17.3%0.29%vs
Rabun County BankBank Clayton, GA81 out of 100, Strong$361.5M10.5%0.05%vs