Blue Ridge Bank: how it compares with its peers
Against 11 SC banks with half to twice its assets, Blue Ridge Bank's strongest measure in Q2 2026 is net interest margin (4.80% vs. a 3.76% peer median). Its weakest relative measure is assets per employee ($4.1M vs. $7.0M).
| Measure | Blue Ridge Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.54% | 0.77% | Bottom third Ahead of 27% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.80% | 3.76% | Top third Ahead of 100% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 85.04% | 75.04% | Bottom third Ahead of 18% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.1M | $7.0M | Bottom third Ahead of 0% of peers |
| Loans to deposits Net loans and leases over total deposits. | 73.66% | 75.75% | Context |
What it means for lending operations
Its efficiency ratio of 85.04% is above the 75.04% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- CBL State Savings Bank Greer, SC · $191M
- Bank of Greeleyville Greeleyville, SC · $160M
- Spratt Savings Bank Chester, SC · $154M
- 1st Federal Savings Bank of SC, Inc. Walterboro, SC · $152M
- Abbeville First Bank, SSB Abbeville, SC · $139M
- Pickens Savings and Loan Association, FA Pickens, SC · $138M
Questions about Blue Ridge Bank
How big is Blue Ridge Bank?
Blue Ridge Bank, established in 1957, is headquartered in Walhalla, SC. It reported $199M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is Blue Ridge Bank's return on assets?
0.54% annualized in Q2 2026, against a 0.77% median for 11 SC banks with half to twice its assets, ahead of 27% of them.
What is Blue Ridge Bank's efficiency ratio?
85.04% in Q2 2026: it spent about 85 cents in noninterest expense for each dollar of revenue. The peer median is 75.04%, and lower is better.
Is Blue Ridge Bank growing its loans?
Net loans grew 5.6% over the year to Q2 2026, while deposits grew 2.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are SC banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every South Carolina bank ranked.