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Minimum Regulatory Capital Requirements (Tables)
 12 Months Ended
Dec. 31, 2020
Regulatory Matters [Abstract]  
Summary of Capital Requirements Administered by Banking Agencies Capital Ratios

The Bank continues to be subject to various capital requirements administered by banking agencies. Capital ratios for the Bank as of December 31, 2020 and 2019 are shown in the following table:

 

 

 

Actual

 

 

For Capital

Adequacy

Purposes (1)

 

 

To Be Well

Capitalized

Under the

Prompt Corrective

Action Provisions

 

(Dollars in thousands)

 

Amount

 

 

Ratio

 

 

Amount

 

 

Ratio

 

 

Amount

 

 

Ratio

 

As of December 31, 2020

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total risk based capital

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

(To risk-weighted assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Blue Ridge Bank, N.A.

 

$

109,219

 

 

 

13.10

%

 

$

87,574

 

 

 

10.50

%

 

$

83,404

 

 

 

10.00

%

Tier 1 capital

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

(To risk-weighted assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Blue Ridge Bank, N.A.

 

$

98,751

 

 

 

11.84

%

 

$

70,893

 

 

 

8.50

%

 

$

66,723

 

 

 

8.00

%

Common equity tier 1 capital

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

(To risk-weighted assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Blue Ridge Bank, N.A.

 

$

98,751

 

 

 

11.84

%

 

$

58,383

 

 

 

7.00

%

 

$

54,213

 

 

 

6.50

%

Tier 1 leverage

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

(To average assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Blue Ridge Bank, N.A.

 

$

98,751

 

 

 

8.34

%

 

$

76,934

 

 

 

4.00

%

 

$

59,180

 

 

 

5.00

%

 

 

 

Actual

 

 

For Capital

Adequacy

Purposes (1)

 

 

To Be Well

Capitalized

Under the

Prompt Corrective

Action Provisions

 

(Dollars in thousands)

 

Amount

 

 

Ratio

 

 

Amount

 

 

Ratio

 

 

Amount

 

 

Ratio

 

As of December 31, 2019

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total risk based capital

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

(To risk-weighted assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Blue Ridge Bank, N.A.

 

$

79,911

 

 

 

11.82

%

 

$

71,007

 

 

 

10.50

%

 

$

67,626

 

 

 

10.00

%

Tier 1 capital

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

(To risk-weighted assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Blue Ridge Bank, N.A.

 

$

75,339

 

 

 

11.14

%

 

$

57,482

 

 

 

8.50

%

 

$

54,101

 

 

 

8.00

%

Common equity tier 1 capital

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

(To risk-weighted assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Blue Ridge Bank, N.A.

 

$

75,339

 

 

 

11.14

%

 

$

47,338

 

 

 

7.00

%

 

$

43,957

 

 

 

6.50

%

Tier 1 leverage

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

(To average assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Blue Ridge Bank, N.A.

 

$

75,339

 

 

 

8.00

%

 

$

61,216

 

 

 

4.00

%

 

$

47,090

 

 

 

5.00

%

 

 

(1)

Except with regard to the Bank’s Tier 1 to average assets (leverage) ratio, the minimum capital requirements includes the Basel III Capital Rules capital conservation buffer.