TellerScore

Headquartered in Martinsville, Virginia, Blue Ridge Bank, National Association is a national bank with $2.3B in total assets and $1.9B in deposits as of Q2 2026. It operates 27 offices across 2 states. Its charter dates back to 2000.

Blue Ridge Bank, National Association has a TellerScore of 49 out of 100 (below average) based on Q2 2026 data — higher than only 6% of its 897 banks with $1 billion – $10 billion. Among 56 banks headquartered in Virginia, it ranks 53rd. Problem-loan coverage contributes the most (76/100, 12.2%); earnings contributes the least (20/100, 0.01%).

TellerScore · Q2 2026

Scorecard

Capital cushion62/100
Tier 1 leverage ratio: 11.23%
Loan quality44/100
Noncurrent loans ÷ total loans: 1.68%
Earnings20/100
Return on assets (annualized): 0.01%
Funding & liquidity55/100
Loans ÷ deposits and uninsured-deposit share: 96.8% · 22.7% uninsured
Problem-loan coverage76/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 12.16%

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

From Q2 2025 to Q2 2026, the score fell 12 points (61 → 49), mostly because the capital cushion component weakened by 17 points.

TellerScore
465564Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202446
Q3 202453
Q4 202455
Q1 202559
Q2 202561
Q3 202563
Q4 202564
Q1 202657
Q2 202649
Tier 1 leverage ratio
5.00%9.33%13.67%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.02%
Q3 202411.56%
Q4 202411.80%
Q1 202512.33%
Q2 202512.89%
Q3 202513.67%
Q4 202513.04%
Q1 202611.01%
Q2 202611.23%
Noncurrent loans
1.15%1.46%1.78%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.78%
Q3 20241.46%
Q4 20241.19%
Q1 20251.19%
Q2 20251.22%
Q3 20251.48%
Q4 20251.26%
Q1 20261.15%
Q2 20261.68%
Return on assets
-0.42%0.04%0.50%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.42%
Q3 2024-0.22%
Q4 2024-0.21%
Q1 20250.07%
Q2 20250.20%
Q3 20250.42%
Q4 20250.50%
Q1 20260.19%
Q2 20260.01%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202649$2.3B11.23%1.68%0.01%96.8%
Q1 202657$2.4B11.01%1.15%0.19%91.9%
Q4 202564$2.4B13.04%1.26%0.50%96.2%
Q3 202563$2.5B13.67%1.48%0.42%96.6%
Q2 202561$2.5B12.89%1.22%0.20%96.3%
Q1 202559$2.7B12.33%1.19%0.07%94.7%
Q4 202455$2.7B11.80%1.19%-0.21%95.5%
Q3 202453$2.9B11.56%1.46%-0.22%91.2%
Q2 202446$2.9B11.02%1.78%-0.42%96.3%

897 peers · $1 billion – $10 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 ratio11.23%
65th
Total risk-based capital16.36%
78th
Problem loans1.68%
12th
Net charge-offs0.03%
51st
Return on assets0.01%
2nd
Net interest margin3.00%
15th
Efficiency ratio88.7%
2nd
Loans to deposits96.8%
21st
Uninsured deposits22.7%
77th
Loan-loss reserves1.19%
56th
Texas ratio12.2%
11th

Similar-size banks in Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
FVCbankBank Fairfax, VA73 out of 100, Strong$2.4B12.9%0.59%vs
MainStreet BankBank Fairfax, VA47 out of 100, Below average$2.2B12.8%3.15%vs
John Marshall BankBank Reston, VA76 out of 100, Strong$2.4B12.9%0.01%vs
Chain Bridge Bank, National AssociationBank Mclean, VA74 out of 100, Strong$2.2B9.1%0.00%vs
First BankBank Strasburg, VA67 out of 100, Moderate$2.1B9.4%0.32%vs
Bank Of ClarkeBank Berryville, VA67 out of 100, Moderate$1.8B12.3%1.07%vs

Deposit insurance

Is my money safe at Blue Ridge Bank, National Association?

Yes. Blue Ridge Bank, National Association is an FDIC-insured institution (FDIC certificate #35274). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 22.7% of deposits ($430.3M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.23%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.36% (benchmark: 10%).

Check how much of your own balance is covered

27 locations

Branches

Blue Ridge Bank, National Association lists 27 offices in 25 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Blue Ridge Bank, National Association reported 186 home-loan applications under HMDA (LEI 5493007WZXR2YE227I23): 135 originated ($39,895,000 total), 18 denied, and 32 withdrawn or closed by the applicant. Its denial rate on decided applications was 11.7%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Blue Ridge Bank, National Association
Former names
Smith River Community Bank, N. A.; River Community Bank, National Association
Type
National bank
FDIC certificate #
35274
RSSD ID
233527
Primary regulator
OCC
Holding company
Blue Ridge Bankshares Inc
Established
July 24, 2000
Headquarters
1 E Market St, Martinsville, VA 24112
Employees
254

Quick answers

Blue Ridge Bank, National Association: common questions

Is Blue Ridge Bank, National Association FDIC insured?

Yes. Blue Ridge Bank, National Association is an FDIC-insured institution (FDIC certificate #35274). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Blue Ridge Bank, National Association's TellerScore?

49 out of 100 (Below average), 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, National Association ever failed?

There is no failure record for FDIC certificate #35274 in the FDIC failed bank list.

How many branches does Blue Ridge Bank, National Association have?

27 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Martinsville

InstitutionScoreAssetsCapitalProblem loansCompare
Martinsville First Savings BankBank Martinsville, VA80 out of 100, Strong$32.1M20.5%0.65%vs
The Fidelity BankBank Fuquay Varina, NC78 out of 100, Strong$4.7B11.5%0.42%vs
Carter Bank & TrustBank Martinsville, VA76 out of 100, Strong$4.8B11.7%1.01%vs
First Community BankBank Bluefield, VA75 out of 100, Strong$3.6B10.2%0.70%vs
First BankBank Southern Pines, NC74 out of 100, Strong$13.0B11.5%0.49%vs
Beacon Credit Union, IncorporatedCredit union Lynchburg, VA74 out of 100, Strong$391.6M11.6%0.24%vs