| Summary of Capital Requirements Administered by Banking Agencies Capital Ratios |
The following tables present the capital ratios to which the Bank is 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.
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June 30, 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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$ |
287,818 |
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16.36 |
% |
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$ |
184,724 |
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10.50 |
% |
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$ |
175,928 |
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10.00 |
% |
Tier 1 capital (to risk-weighted assets) |
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Blue Ridge Bank, N.A. |
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$ |
265,805 |
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15.10 |
% |
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$ |
149,625 |
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8.50 |
% |
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$ |
140,824 |
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8.00 |
% |
Common equity tier 1 capital (to risk-weighted assets) |
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Blue Ridge Bank, N.A. |
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$ |
265,805 |
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15.10 |
% |
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$ |
123,221 |
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7.00 |
% |
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$ |
114,419 |
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6.50 |
% |
Tier 1 leverage (to average assets) |
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Blue Ridge Bank, N.A. |
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$ |
265,805 |
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11.23 |
% |
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$ |
94,677 |
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4.00 |
% |
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$ |
118,346 |
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5.00 |
% |
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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 |
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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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$ |
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 |
% |
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 |
% |
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 |
% |
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 |
% |
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