<SEC-DOCUMENT>0001193125-23-132139.txt : 20230502
<SEC-HEADER>0001193125-23-132139.hdr.sgml : 20230502
<ACCEPTANCE-DATETIME>20230502135158
ACCESSION NUMBER:		0001193125-23-132139
CONFORMED SUBMISSION TYPE:	DEFA14A
PUBLIC DOCUMENT COUNT:		3
FILED AS OF DATE:		20230502
DATE AS OF CHANGE:		20230502

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			BLUE RIDGE BANKSHARES, INC.
		CENTRAL INDEX KEY:			0000842717
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				541838100
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		DEFA14A
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-39165
		FILM NUMBER:		23877915

	BUSINESS ADDRESS:	
		STREET 1:		17 WEST MAIN STREET
		CITY:			LURAY
		STATE:			VA
		ZIP:			22835
		BUSINESS PHONE:		540-843-5207

	MAIL ADDRESS:	
		STREET 1:		17 WEST MAIN STREET
		CITY:			LURAY
		STATE:			VA
		ZIP:			22835

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	BLUE RIDGE BANKSHARES INC
		DATE OF NAME CHANGE:	19881115
</SEC-HEADER>
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<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:0pt;border-bottom:1px solid #000000">&nbsp;</P>
<P STYLE="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:18pt; font-family:Times New Roman" ALIGN="center"><B>SCHEDULE&nbsp;14A INFORMATION
</B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>Proxy Statement Pursuant to Section&nbsp;14(a) of the </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>Securities Exchange Act of 1934 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>(Amendment No.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;) </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center> <P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Filed by the Registrant&nbsp;&nbsp;&#9746; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Filed by a Party
other than the Registrant&nbsp;&nbsp;&#9744;</P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Check the appropriate box: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">&#9744;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Preliminary Proxy Statement </P></TD></TR></TABLE>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B></B>&#9744;<B></B><B></B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>Confidential, for Use of the Commission Only (as permitted by
<FONT STYLE="white-space:nowrap">Rule&nbsp;14a-6(e)(2))</FONT> </B></P></TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">&#9744;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Definitive Proxy Statement </P></TD></TR></TABLE>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">&#9746;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Definitive Additional Materials </P></TD></TR></TABLE>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">&#9744;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Soliciting Material Pursuant to &#167; <FONT STYLE="white-space:nowrap">240.14a-12</FONT>
</P></TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:22pt; font-family:Times New Roman" ALIGN="center"><B>BLUE RIDGE BANKSHARES, INC. </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>(Name of Registrant as Specified In Its Charter) </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>(Name of Person(s) Filing Proxy Statement, if other than the Registrant) </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Payment of Filing Fee (Check the appropriate box): </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
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<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">No fee required. </P></TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">&#9744;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Fee paid previously with preliminary materials. </P></TD></TR></TABLE>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">&#9744;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Fee computed on table in exhibit required by Item&nbsp;25(b) per Exchange Act Rules&nbsp;14a-6(i)(1) and <FONT
STYLE="white-space:nowrap">0-11.</FONT> </P></TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:0pt;border-bottom:1px solid #000000">&nbsp;</P>
<P STYLE="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P>
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 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Dear Fellow Shareholders</B>, </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The last year was filled with both challenges and progress. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Federal Reserve launched and is maintaining an interest rate increase effort unparalleled in its over century of existence. The magnitude and velocity of
these increases has predictably created strains and pressures within the industry and the economy. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Newton&#146;s third law instructs us that for every
action, there is an equal and opposite reaction. The laws of physics consistently, and somewhat remarkably, have application beyond the physical world. The world experienced a historically long period of low interest rates following the Credit
Crisis, which was then extended with monetary and fiscal stimulus of previously unimaginable proportion as a reaction to the <FONT STYLE="white-space:nowrap">COVID-19</FONT> pandemic. The equal and opposite reaction is current Federal Reserve
policy. Time will be the judge of the prudence of the magnitude of these actions, and as Newton taught us, we should be expecting a reaction in the economy commensurate with the force generated by the accelerated, intense rate hikes. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The banking industry, for the first time in 15&nbsp;years, finds itself shifting to paying elevated rates on deposits in the middle of a significant decline
in systemwide deposits. Meanwhile, assets accumulated during years of low interest rates are sitting on bank balance sheets. This will create earnings pressure in the short-term for the industry. Noninterest income, expense management, and asset
quality will remain critical factors for success during this time. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>Accelerating Technology Changes </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">We all see headlines every day about rapidly unfolding changes in technology, including artificial intelligence and machine learning. While we cannot invest
the dollars available for firms like JP Morgan Chase &amp; Co., we can be targeted and selective in identifying areas to enhance productivity and client service. Marcus Aurelius wrote in <I>Meditations</I>, &#147;<I>for the mind converts and changes
every hindrance to its activity into an aid; and so that which is a hindrance is made a furtherance to an act; and that which is an obstacle on the road helps us on this road</I>.&#148; Aurelius describes our perspective on technology in simple
terms and more eloquently than I can. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The significant technological evolution underway is a competitive and resource allocation challenge, however we
embrace and recognize it as a call to action and an opportunity to create value to shareholders and unmatched service to our clients. Not all of these actions and investments will generate immediate results, and they are not intended to do so. We do
believe that they will create outsized returns and franchise value for years to come. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">It is difficult to understand and forecast the changes in the
consumption of financial services. In 2021, in an attempt to project the future, I gathered industry call report data. I had and maintain a simple theory; due to improvements in financial technology and wider adoption of digital usage, the same
trends we witnessed in consumer lending over the first two decades of this century would be replicated by small business and commercial lending over the next decade. I looked at data for banks between $1-5&nbsp;billion in assets. The result
surprised me. </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">At December&nbsp;31, 2000, consumer loans were 10.6% of the median bank loan portfolio. By December&nbsp;31,
2020, that number declined to 1.2%. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">What happened? My perspective is consumers shifted to more digital channels, including nonbank lenders. Borrowers
decided there was no need to walk into a bank branch and fill out a paper application for a small loan, as options became available online and funds were quickly deposited into their account. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">There is no reason to believe that advances in technology and computing power will not be able to handle the complexity of commercial lending in the very near
future. My 2021 research was predicated on the idea that many businesses completing online Paycheck Protection Program loans would view that as their first successful foray into nonpersonal digital lending. This experience would then alter and
accelerate business borrowing behavior in the long run. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">We are actively refining our lending and deposit processes to improve productivity and provide a
better client experience. Our lending improvements include automating more decisioning for consumer and small business loans, which also includes automating and streamlining more of the document and information gathering. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">We are also focused on deploying technology internally. We recently launched our first internal robotic process automation (RPA) procedure, replacing an
internal function that was consuming hours per day of team member time. Now, our RPA tool takes care of the task and requires little time in the way of oversight and maintenance. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The automation revolution we are watching unfold is not just great fodder for cocktail parties; it is the future, and prudently embracing and adopting it will
be essential for survival in a world where clients expect it. It is also a key strategy to address the continued shortage of specialized knowledge workers in our industry. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>Noninterest Income </I></B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">We have communicated our
commitment to a noninterest income strategy for years. Noninterest income was important during the low interest rate years, and our view has been that even in a world where the yield curve normalizes, the ability to capture historical spreads would
be nonexistent. Technology and nonbank competition would increasingly squeeze net interest margin levels from historical levels. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Back to Newton&#146;s
third law, the mortgage business was down significantly in 2022. The massive wave of mortgages locked in at unimaginably low rates in 2020 and 2021 means there is a large number of mortgages where borrowers will not refinance now, or anytime soon,
and will only reluctantly move. Wider adoption of remote work negatively impacts the churn of homes we would expect to see with job transitions. We continue to work recruiting lenders in key, attractive markets in and around our footprint, while
making decisions to calibrate the cost structure to reflect the current environment. </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The year 2022 also brought the unusual combination of both fixed income and equity portfolio declines,
having a negative impact on our wealth and trust business. I remain excited about what we can do with this business, particularly when considering the opportunity to better serve clients with sophistical financial needs across our business lines.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">We did see green shoots in other noninterest income areas. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Our government-guaranteed lending team continues to lay the groundwork for sustained success. We focused on ensuring we had the team, systems, and processes
in place for appropriate monitoring and service for program requirements, and as we have transitioned out of that phase and into opportunity realization we are seeing the work pay off. We anticipate meaningful results in 2023 and beyond from this
team. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Our card division made significant progress in 2022, including the launch of a new partnership late in the third quarter that will provide momentum
for future growth and resources for reinvestment into the business. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">We experienced solid relative growth in our benefits business. While this remains an
immaterial part of our financials for the near future, it is an excellent strategic add-on. This is both a great entry point for new banking relationships and a way to deepen our existing banking relationships. The multiple touch points is an
ancillary, yet critical part of our noninterest income strategy. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Each noninterest business line affords us an opportunity to deepen relationships and
better serve clients across multiple financial needs. Our implementation and widespread adoption of a new customer relationship management platform will yield thousands of internal referrals this year alone. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">When we successfully execute this cross-business strategy, we de-risk all business lines as we improve retention and enhance our familiarity with the client.
Profitability improves and relationships are stickier, and the events of March 2023 reminded us all of how important it is to maintain deeper relationships built on trust. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>New Strategy Statement </I></B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">We adopted a new Strategy
Statement in 2022. We discussed the need to create a simple, memorable statement which serves as a North Star for everyone on our team, regardless of position or business. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><I>We are an innovative comprehensive financial services company </I></B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><I>of choice dedicated to a frictionless client experience. </I></B></P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Instead of rewriting context for this statement, this is how I described the application of this statement
to the team in a companywide communication: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I><U>Innovative</U></I>: We leave little room for doubt here. Our commitment to embracing technology, new
lines of business, and opportunities clearly demonstrates this. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I><U>Comprehensive Financial Services Company of Choice</U></I>: We punch above our
weight. There are few companies in our peer group across the entire country that provide the wide array of services we offer. We intend to be &#147;<I>of choice</I>&#148;. We aren&#146;t just offering the services; we&#146;re offering the services
in a way that people want to use us. Each service we provide is expected to be a provider of choice in its respective category. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I><U>Dedicated to a
Frictionless Client Experience</U></I>: We are 100% committed to providing our clients an experience that is smooth and free of aggravation and disruption. This is accomplished through technology, service, and a tenacious focus from everyone in the
company. Each of us needs to be all-in for our clients and for each other; possessing an unyielding commitment to constant improvement in how we execute business and assist each other in developing opportunities. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">We&#146;ll talk often about how a frictionless client experience isn&#146;t just about the client. It incorporates everything from the client to backroom
operations to regulatory compliance. Doing things correctly and appropriately while maintaining impeccable operating procedures for quality control ensures we&#146;re always able to serve our clients in the way that&#146;s needed at the time of
need. A frictionless client experience also means a reduced-stress operating environment, as the client experience is ultimately dictated by the internal experience. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>In Closing </I></B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Thank you for being a shareholder in
Blue Ridge Bankshares, Inc. We do not take your investment lightly. We are fully committed to creating long-term value for your investment through our unwavering commitment to our clients, communities, and one another. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">I am fortunate to be in the position of serving you, working with a team that is tenaciously dedicated to our goals, in an industry where we manufacture the
fulfillment of financial dreams and success for so many. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt;margin-bottom:0pt">


<IMG SRC="g154725plum.jpg" ALT="LOGO">
 </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Brian K. Plum </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">President and
Chief Executive Officer </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">April&nbsp;28, 2023 </P>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
