| Summary of Capital Requirements Administered by Banking Agencies Capital Ratios |
The following tables present the capital ratios to which banks are subject to be adequately and well capitalized, as well as the capital and capital ratios for the Bank as of the dates stated. Adequately capitalized ratios include the conservation buffer, if applicable. The following table also includes the capital adequacy ratios to which bank holding companies are subject. Also presented are the minimum capital ratios set forth in the Consent Order for the Bank and the related capital amounts for both the leverage ratio and the total capital ratio. The CECL Transitional Amount was $8.1 million, of which $6.1 million and $4.1 million reduced the regulatory capital amounts and capital ratios as of June 30, 2025 and December 31, 2024, respectively.
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June 30, 2025 |
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Actual |
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For Capital Adequacy Purposes |
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To Be Well Capitalized |
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Minimum Capital Ratios |
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(Dollars in thousands) |
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Amount |
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Ratio |
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Amount |
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Ratio |
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Amount |
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Ratio |
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Amount |
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Ratio |
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Total risk based capital (to risk-weighted assets) |
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Blue Ridge Bank, N.A. |
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$ |
361,482 |
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18.90 |
% |
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$ |
200,823 |
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10.50 |
% |
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$ |
191,260 |
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10.00 |
% |
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$ |
248,638 |
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13.00 |
% |
Blue Ridge Bankshares, Inc. |
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$ |
412,164 |
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21.37 |
% |
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$ |
154,296 |
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8.00 |
% |
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n/a |
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n/a |
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n/a |
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n/a |
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Tier 1 capital (to risk-weighted assets) |
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Blue Ridge Bank, N.A. |
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$ |
341,443 |
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17.86 |
% |
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$ |
162,501 |
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8.50 |
% |
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$ |
152,942 |
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8.00 |
% |
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n/a |
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n/a |
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Blue Ridge Bankshares, Inc. |
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$ |
372,097 |
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19.29 |
% |
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$ |
115,738 |
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6.00 |
% |
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n/a |
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n/a |
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n/a |
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n/a |
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Common equity tier 1 capital (to risk-weighted assets) |
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Blue Ridge Bank, N.A. |
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$ |
341,443 |
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17.86 |
% |
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$ |
133,824 |
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7.00 |
% |
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$ |
124,265 |
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6.50 |
% |
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n/a |
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n/a |
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Blue Ridge Bankshares, Inc. |
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$ |
372,097 |
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19.29 |
% |
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$ |
86,803 |
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4.50 |
% |
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n/a |
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n/a |
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n/a |
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n/a |
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Tier 1 leverage (to average assets) |
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Blue Ridge Bank, N.A. |
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$ |
341,443 |
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12.89 |
% |
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$ |
105,956 |
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4.00 |
% |
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$ |
132,445 |
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5.00 |
% |
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$ |
264,890 |
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10.00 |
% |
Blue Ridge Bankshares, Inc. |
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$ |
372,097 |
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13.93 |
% |
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$ |
106,848 |
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4.00 |
% |
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n/a |
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n/a |
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n/a |
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n/a |
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December 31, 2024 |
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Actual |
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For Capital Adequacy Purposes |
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To Be Well Capitalized |
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Minimum Capital Ratios |
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(Dollars in thousands) |
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Amount |
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Ratio |
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Amount |
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Ratio |
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Amount |
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Ratio |
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Amount |
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Ratio |
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Total risk based capital (to risk-weighted assets) |
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Blue Ridge Bank, N.A. |
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$ |
358,848 |
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17.26 |
% |
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$ |
218,260 |
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10.50 |
% |
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$ |
207,866 |
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10.00 |
% |
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$ |
270,226 |
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13.00 |
% |
Blue Ridge Bankshares, Inc. |
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$ |
414,284 |
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19.79 |
% |
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$ |
167,444 |
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8.00 |
% |
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n/a |
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n/a |
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n/a |
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n/a |
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Tier 1 capital (to risk-weighted assets) |
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Blue Ridge Bank, N.A. |
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$ |
340,386 |
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16.38 |
% |
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$ |
176,687 |
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8.50 |
% |
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$ |
166,293 |
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8.00 |
% |
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n/a |
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n/a |
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Blue Ridge Bankshares, Inc. |
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$ |
360,933 |
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17.24 |
% |
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$ |
125,583 |
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6.00 |
% |
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n/a |
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n/a |
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n/a |
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n/a |
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Common equity tier 1 capital (to risk-weighted assets) |
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Blue Ridge Bank, N.A. |
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$ |
340,386 |
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16.38 |
% |
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$ |
145,507 |
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7.00 |
% |
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$ |
135,113 |
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6.50 |
% |
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n/a |
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n/a |
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Blue Ridge Bankshares, Inc. |
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$ |
360,933 |
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17.24 |
% |
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$ |
94,187 |
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4.50 |
% |
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n/a |
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n/a |
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n/a |
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n/a |
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Tier 1 leverage (to average assets) |
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Blue Ridge Bank, N.A. |
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$ |
340,386 |
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11.80 |
% |
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$ |
115,364 |
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4.00 |
% |
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$ |
144,204 |
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5.00 |
% |
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$ |
288,409 |
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10.00 |
% |
Blue Ridge Bankshares, Inc. |
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$ |
360,933 |
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12.43 |
% |
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$ |
116,169 |
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4.00 |
% |
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n/a |
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n/a |
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n/a |
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n/a |
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