| Summary of Capital Requirements Administered by Banking Agencies Capital Ratios |
The following tables also include the capital adequacy ratios to which bank holding companies are subject.
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March 31, 2026 |
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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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(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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Total risk based capital (to risk-weighted assets) |
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Blue Ridge Bank, N.A. |
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$ |
286,488 |
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16.47 |
% |
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$ |
182,643 |
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10.50 |
% |
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$ |
173,945 |
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10.00 |
% |
Blue Ridge Bankshares, Inc. |
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$ |
327,867 |
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18.67 |
% |
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$ |
140,489 |
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8.00 |
% |
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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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$ |
266,647 |
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15.33 |
% |
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$ |
147,847 |
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8.50 |
% |
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$ |
139,150 |
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8.00 |
% |
Blue Ridge Bankshares, Inc. |
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$ |
296,223 |
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16.87 |
% |
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$ |
105,355 |
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6.00 |
% |
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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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$ |
266,647 |
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15.33 |
% |
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$ |
121,757 |
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7.00 |
% |
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$ |
113,060 |
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6.50 |
% |
Blue Ridge Bankshares, Inc. |
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$ |
296,223 |
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16.87 |
% |
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$ |
79,016 |
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4.50 |
% |
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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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$ |
266,647 |
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11.01 |
% |
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$ |
96,874 |
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4.00 |
% |
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$ |
121,093 |
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5.00 |
% |
Blue Ridge Bankshares, Inc. |
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$ |
296,223 |
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12.13 |
% |
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$ |
97,683 |
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4.00 |
% |
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n/a |
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n/a |
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December 31, 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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(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 |
|
Total risk based capital (to risk-weighted assets) |
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Blue Ridge Bank, N.A. |
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$ |
339,784 |
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19.16 |
% |
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$ |
186,188 |
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10.50 |
% |
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$ |
177,322 |
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10.00 |
% |
Blue Ridge Bankshares, Inc. |
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$ |
370,984 |
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20.69 |
% |
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$ |
143,427 |
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8.00 |
% |
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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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$ |
322,320 |
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18.18 |
% |
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$ |
150,724 |
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8.50 |
% |
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$ |
141,858 |
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8.00 |
% |
Blue Ridge Bankshares, Inc. |
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$ |
344,604 |
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19.22 |
% |
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$ |
107,570 |
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6.00 |
% |
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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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$ |
322,320 |
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18.18 |
% |
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$ |
124,125 |
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7.00 |
% |
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$ |
115,259 |
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6.50 |
% |
Blue Ridge Bankshares, Inc. |
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$ |
344,604 |
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19.22 |
% |
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$ |
80,677 |
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4.50 |
% |
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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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$ |
322,320 |
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13.04 |
% |
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$ |
98,859 |
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4.00 |
% |
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$ |
123,574 |
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5.00 |
% |
Blue Ridge Bankshares, Inc. |
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$ |
344,604 |
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13.81 |
% |
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$ |
99,777 |
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4.00 |
% |
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n/a |
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n/a |
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