| 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 tables also include the capital adequacy ratios to which bank holding companies are subject. As of December 31, 2025, the Bank and the Company were considered well capitalized. Presented in the table as of December 31, 2024 were the minimum capital ratios set forth in the Consent Order for the Bank and the related capital amounts for both of the required minimum capital ratios.
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
December 31, 2025 |
|
|
|
Actual |
|
|
For Capital Adequacy Purposes |
|
|
To Be Well Capitalized |
|
(Dollars in thousands) |
|
Amount |
|
|
Ratio |
|
|
Amount |
|
|
Ratio |
|
|
Amount |
|
|
Ratio |
|
Total risk based capital (to risk-weighted assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Blue Ridge Bank, N.A. |
|
$ |
339,784 |
|
|
|
19.16 |
% |
|
$ |
186,188 |
|
|
|
10.50 |
% |
|
$ |
177,322 |
|
|
|
10.00 |
% |
Blue Ridge Bankshares, Inc. |
|
$ |
370,984 |
|
|
|
20.69 |
% |
|
$ |
143,427 |
|
|
|
8.00 |
% |
|
n/a |
|
|
n/a |
|
Tier 1 capital (to risk-weighted assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Blue Ridge Bank, N.A. |
|
$ |
322,320 |
|
|
|
18.18 |
% |
|
$ |
150,724 |
|
|
|
8.50 |
% |
|
$ |
141,858 |
|
|
|
8.00 |
% |
Blue Ridge Bankshares, Inc. |
|
$ |
344,604 |
|
|
|
19.22 |
% |
|
$ |
107,570 |
|
|
|
6.00 |
% |
|
n/a |
|
|
n/a |
|
Common equity tier 1 capital (to risk-weighted assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Blue Ridge Bank, N.A. |
|
$ |
322,320 |
|
|
|
18.18 |
% |
|
$ |
124,125 |
|
|
|
7.00 |
% |
|
$ |
115,259 |
|
|
|
6.50 |
% |
Blue Ridge Bankshares, Inc. |
|
$ |
344,604 |
|
|
|
19.22 |
% |
|
$ |
80,677 |
|
|
|
4.50 |
% |
|
n/a |
|
|
n/a |
|
Tier 1 leverage (to average assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Blue Ridge Bank, N.A. |
|
$ |
322,320 |
|
|
|
13.04 |
% |
|
$ |
98,859 |
|
|
|
4.00 |
% |
|
$ |
123,574 |
|
|
|
5.00 |
% |
Blue Ridge Bankshares, Inc. |
|
$ |
344,604 |
|
|
|
13.81 |
% |
|
$ |
99,777 |
|
|
|
4.00 |
% |
|
n/a |
|
|
n/a |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
December 31, 2024 |
|
|
|
Actual |
|
|
For Capital Adequacy Purposes |
|
|
To Be Well Capitalized |
|
|
Minimum Capital Ratios |
|
(Dollars in thousands) |
|
Amount |
|
|
Ratio |
|
|
Amount |
|
|
Ratio |
|
|
Amount |
|
|
Ratio |
|
|
Amount |
|
|
Ratio |
|
Total risk based capital (to risk-weighted assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Blue Ridge Bank, N.A. |
|
$ |
358,848 |
|
|
|
17.26 |
% |
|
$ |
218,260 |
|
|
|
10.50 |
% |
|
$ |
207,866 |
|
|
|
10.00 |
% |
|
$ |
270,226 |
|
|
|
13.00 |
% |
Blue Ridge Bankshares, Inc. |
|
$ |
414,284 |
|
|
|
19.79 |
% |
|
$ |
167,444 |
|
|
|
8.00 |
% |
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
Tier 1 capital (to risk-weighted assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Blue Ridge Bank, N.A. |
|
$ |
340,386 |
|
|
|
16.38 |
% |
|
$ |
176,687 |
|
|
|
8.50 |
% |
|
$ |
166,293 |
|
|
|
8.00 |
% |
|
n/a |
|
|
n/a |
|
Blue Ridge Bankshares, Inc. |
|
$ |
360,933 |
|
|
|
17.24 |
% |
|
$ |
125,583 |
|
|
|
6.00 |
% |
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
Common equity tier 1 capital (to risk-weighted assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Blue Ridge Bank, N.A. |
|
$ |
340,386 |
|
|
|
16.38 |
% |
|
$ |
145,507 |
|
|
|
7.00 |
% |
|
$ |
135,113 |
|
|
|
6.50 |
% |
|
n/a |
|
|
n/a |
|
Blue Ridge Bankshares, Inc. |
|
$ |
360,933 |
|
|
|
17.24 |
% |
|
$ |
94,187 |
|
|
|
4.50 |
% |
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
Tier 1 leverage (to average assets) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Blue Ridge Bank, N.A. |
|
$ |
340,386 |
|
|
|
11.80 |
% |
|
$ |
115,364 |
|
|
|
4.00 |
% |
|
$ |
144,204 |
|
|
|
5.00 |
% |
|
$ |
288,409 |
|
|
|
10.00 |
% |
Blue Ridge Bankshares, Inc. |
|
$ |
360,933 |
|
|
|
12.43 |
% |
|
$ |
116,169 |
|
|
|
4.00 |
% |
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|