Blue Ridge Bank, National Association: how it compares with its peers
Against 17 VA banks with half to twice its assets, Blue Ridge Bank, National Association's strongest measure in Q2 2026 is assets per employee ($9.1M vs. a $7.2M peer median). Its weakest relative measure is return on assets (0.01% vs. 1.27%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.01% | 1.27% | Bottom third Ahead of 0% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.00% | 3.73% | Bottom third Ahead of 6% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 88.71% | 58.63% | Bottom third Ahead of 0% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.1M | $7.2M | Middle third Ahead of 65% of peers |
| Loans to deposits Net loans and leases over total deposits. | 96.82% | 89.03% | Context |
What it means for lending operations
Its efficiency ratio of 88.71% is above the 58.63% 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
- FVCbank Fairfax, VA · $2.36B
- MainStreet Bank Fairfax, VA · $2.24B
- John Marshall Bank Reston, VA · $2.40B
- Chain Bridge Bank, National Association Mclean, VA · $2.19B
- First Bank Strasburg, VA · $2.07B
- Bank Of Clarke Berryville, VA · $1.85B
Questions about Blue Ridge Bank, National Association
How big is Blue Ridge Bank, National Association?
Blue Ridge Bank, National Association, established in 2000, is headquartered in Martinsville, VA. It reported $2.31B in total assets in its Q2 2026 FDIC call report and operates 27 offices.
What is Blue Ridge Bank, National Association's return on assets?
0.01% annualized in Q2 2026, against a 1.27% median for 17 VA banks with half to twice its assets, ahead of 0% of them.
What is Blue Ridge Bank, National Association's efficiency ratio?
88.71% in Q2 2026: it spent about 89 cents in noninterest expense for each dollar of revenue. The peer median is 58.63%, and lower is better.
Is Blue Ridge Bank, National Association growing its loans?
Net loans shrank 7.0% over the year to Q2 2026, while deposits shrank 7.5%.
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 VA 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 Virginia bank ranked.