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Minimum Regulatory Capital Requirements (Tables) | 9 Months Ended
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Sep. 30, 2024
Regulatory Matters [Abstract] |
Summary of Capital Requirements Administered by Banking Agencies Capital Ratios | The following tables present the capital ratios to which banks are 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. The following table also includes the capital adequacy ratios to which bank holding companies are subject. On January 1, 2024, the Company became subject to these ratios. Also presented are the minimum capital ratios set forth in the Consent Order for the Bank and the related capital amounts for both the leverage ratio and the total capital ratio. The CECL Transitional Amount was $8.1 million, of which $4.1 million and $2.0 million reduced the regulatory capital amounts and capital ratios as of September 30, 2024 and December 31, 2023, respectively.
|  | September 30, 2024 |
|  | Actual |  |  | For Capital Adequacy Purposes |  |  | To Be Well Capitalized |  |  | Minimum Capital Ratios |
(Dollars in thousands) |  | Amount |  |  | Ratio |  |  | Amount |  |  | Ratio |  |  | Amount |  |  | Ratio |  |  | Amount |  |  | Ratio |
Total risk based capital (to risk-weighted assets) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Blue Ridge Bank, N.A. |  | $ | 367,736 |  |  |  | 16.64 | % |  | $ | 232,080 |  |  |  | 10.50 | % |  | $ | 221,028 |  |  |  | 10.00 | % |  | $ | 287,337 |  |  |  | 13.00 | %
Blue Ridge Bankshares, Inc. |  | $ | 427,441 |  |  |  | 19.26 | % |  | $ | 177,546 |  |  |  | 8.00 | % |  | n/a |  |  | n/a |  |  | n/a |  |  | n/a |
Tier 1 capital (to risk-weighted assets) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Blue Ridge Bank, N.A. |  | $ | 346,545 |  |  |  | 15.68 | % |  | $ | 187,875 |  |  |  | 8.50 | % |  | $ | 176,823 |  |  |  | 8.00 | % |  | n/a |  |  | n/a |
Blue Ridge Bankshares, Inc. |  | $ | 345,839 |  |  |  | 15.58 | % |  | $ | 133,186 |  |  |  | 6.00 | % |  | n/a |  |  | n/a |  |  | n/a |  |  | n/a |
Common equity tier 1 capital (to risk-weighted assets) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Blue Ridge Bank, N.A. |  | $ | 346,545 |  |  |  | 15.68 | % |  | $ | 154,720 |  |  |  | 7.00 | % |  | $ | 143,669 |  |  |  | 6.50 | % |  | n/a |  |  | n/a |
Blue Ridge Bankshares, Inc. |  | $ | 345,839 |  |  |  | 15.58 | % |  | $ | 99,889 |  |  |  | 4.50 | % |  | n/a |  |  | n/a |  |  | n/a |  |  | n/a |
Tier 1 leverage (to average assets) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Blue Ridge Bank, N.A. |  | $ | 346,545 |  |  |  | 11.56 | % |  | $ | 119,912 |  |  |  | 4.00 | % |  | $ | 149,890 |  |  |  | 5.00 | % |  | $ | 299,779 |  |  |  | 10.00 | %
Blue Ridge Bankshares, Inc. |  | $ | 345,839 |  |  |  | 11.46 | % |  | $ | 120,712 |  |  |  | 4.00 | % |  | n/a |  |  | n/a |  |  | n/a |  |  | n/a |
|  | December 31, 2023 |
|  | Actual |  |  | For Capital Adequacy Purposes |  |  | To Be Well Capitalized |  |  | Minimum Capital Ratios |
(Dollars in thousands) |  | Amount |  |  | Ratio |  |  | Amount |  |  | Ratio |  |  | Amount |  |  | Ratio |  |  | Amount |  |  | Ratio |
Total risk based capital (to risk-weighted assets) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Blue Ridge Bank, N.A. |  | $ | 270,293 |  |  |  | 10.25 | % |  | $ | 276,842 |  |  |  | 10.50 | % |  | $ | 263,659 |  |  |  | 10.00 | % |  | $ | 342,757 |  |  |  | 13.00 | %
Tier 1 capital (to risk-weighted assets) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Blue Ridge Bank, N.A. |  | $ | 239,775 |  |  |  | 9.09 | % |  | $ | 224,111 |  |  |  | 8.50 | % |  | $ | 210,928 |  |  |  | 8.00 | % |  | n/a |  |  | n/a |
Common equity tier 1 capital (to risk-weighted assets) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Blue Ridge Bank, N.A. |  | $ | 239,775 |  |  |  | 9.09 | % |  | $ | 184,562 |  |  |  | 7.00 | % |  | $ | 171,379 |  |  |  | 6.50 | % |  | n/a |  |  | n/a |
Tier 1 leverage (to average assets) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Blue Ridge Bank, N.A. |  | $ | 239,775 |  |  |  | 7.49 | % |  | $ | 128,001 |  |  |  | 4.00 | % |  | $ | 160,001 |  |  |  | 5.00 | % |  | $ | 320,003 |  |  |  | 10.00 | %

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- Definition Regulatory matters. + References No definition available. + Details
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- Definition Tabular disclosure of the capital amounts and ratios as of the balance sheet date, indicating whether the entity or entities are in compliance with regulatory capital requirements, by entity. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (c)(1) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1B -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1B + Details
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