<SEC-DOCUMENT>0000000000-24-010432.txt : 20241203
<SEC-HEADER>0000000000-24-010432.hdr.sgml : 20241203
<ACCEPTANCE-DATETIME>20240916093607
<PRIVATE-TO-PUBLIC>
ACCESSION NUMBER:		0000000000-24-010432
CONFORMED SUBMISSION TYPE:	UPLOAD
PUBLIC DOCUMENT COUNT:		2
FILED AS OF DATE:		20240916

FILED FOR:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			BLUE RIDGE BANKSHARES, INC.
		CENTRAL INDEX KEY:			0000842717
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		ORGANIZATION NAME:           	02 Finance
		IRS NUMBER:				541838100
		STATE OF INCORPORATION:			VA
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		UPLOAD
		SEC FILE NUMBER:	001-39165

	BUSINESS ADDRESS:	
		STREET 1:		1801 BAYBERRY COURT
		STREET 2:		SUITE 101
		CITY:			RICHMOND
		STATE:			VA
		ZIP:			23226
		BUSINESS PHONE:		888-331-6521

	MAIL ADDRESS:	
		STREET 1:		1801 BAYBERRY COURT
		STREET 2:		SUITE 101
		CITY:			RICHMOND
		STATE:			VA
		ZIP:			23226

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	BLUE RIDGE BANKSHARES INC
		DATE OF NAME CHANGE:	19881115
PUBLIC REFERENCE ACCESSION NUMBER:		0000950170-24-032267
</SEC-HEADER>
<DOCUMENT>
<TYPE>LETTER
<SEQUENCE>1
<FILENAME>filename1.pdf
<TEXT>
<PDF>
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<DOCUMENT>
<TYPE>TEXT-EXTRACT
<SEQUENCE>2
<FILENAME>filename2.txt
<TEXT>
                                                           September 16, 2024

Judy C. Gavant
Executive Vice President and Chief Financial Officer
Blue Ridge Bankshares, Inc.
1807 Seminole Trail
Charlottesville, VA 22901

       Re: Blue Ridge Bankshares, Inc.
           Form 10-K for fiscal year ended December 31, 2023
           Form 10-Q for quarterly period ended June 30, 2024
           File No. 001-39165
Dear Judy C. Gavant:

       We have reviewed your filing and have the following comments.

       Please respond to this letter within ten business days by providing the
requested
information or advise us as soon as possible when you will respond. If you do
not believe a
comment applies to your facts and circumstances, please tell us why in your
response.

       After reviewing your response to this letter, we may have additional
comments.

Form 10-K for fiscal year ended December 31, 2023
General

1.     We note your disclosure on pages 2, 5, 14, 62 and 63 regarding the
strategic and capital
       plan, as well as the    BaaS winddown plan    that is an element of
liquidity management.
       We also note the discussion on page 63 regarding your plan to alleviate
the substantial
       doubt about your ability to continue as a going concern. Further, we
note your press
       release included as exhibit 99.1 to your Form 8-K dated April 30, 2024
about various
       plans and their status, including a two-part critical action plan
addressing regulatory
       remediation efforts. In future periodic filings, please enhance your
disclosures regarding
       these various strategic, capital and winddown plans, including providing
a more detailed
       and robust discussion in Liquidity and Capital Resources regarding your
remediation and
       related plans and any actions that remain outstanding or ongoing.
Management's Discussion and Analysis of Financial Condition and Results of
Operations
Loan Portfolio, page 41

2.     We note the tabular disclosure on pages 41-42 detailing the composition
of your gross
 September 16, 2024
Page 2

       loan portfolio, which includes commercial real estate (   CRE   ). Given
the extent of CRE
       in your loan portfolio, in future filings, please describe the specific
details of any risk
       management policies, procedures or other actions undertaken by
management in response
       to the current environment.
Deposits, page 48

3.     In future filings, please address the items below with regards to your
deposit disclosures.
           Noting that "core" deposits include various deposit types, clarify
what is included in
           non-core deposits.
           Enhance your narrative to provide more granularity regarding which
change drivers
           most impacted each deposit category.
4.     We note your increased usage of brokered deposits and your dependence
upon an
       approved waiver to continue using them while a consent order is in
place. In future
       filings, please address the items below.
           Expand your disclosures, here or elsewhere, to discuss the level at
which you expect
            to maintain brokered deposits as well as any planned changes to
deposit composition
            as you transition away from banking as a service operations.
           Noting that brokered deposits appear to be time deposits and money
market accounts,
            quantify the amount in each category.
           If applicable, discuss any policies or internal limits regarding
brokered deposit or
            other deposit concentrations and whether you have complied with
such internal
            requirements.
Borrowings, page 49

5.     We note your disclosure of FHLB and FRB borrowings. In future filings,
please enhance
       your narrative here to fulsomely tie quantitative changes to underlying
drivers.
Liquidity, page 49

6.     We note your disclosures regarding available sources of liquidity,
including your tabular
       disclosure regarding FHLB and FRB borrowings on page 49. In future
filings, please
       consider:
           adding tabular disclosure of all available sources of liquidity by
type of borrowing
           capacity (e.g., Federal Home Loan Bank borrowings, FRB borrowing
capacity, etc.),
           with the table showing total borrowing capacity, less borrowings
outstanding,
           remaining capacity, and additional sources of liquidity (e.g., cash,
securities, etc.) to
           arrive at total available liquidity; and
           discussing available sources of liquidity measured against levels of
uninsured or total
           deposits, to the extent that you consider this internally in
managing your liquidity
           levels.
Note 4. Loans and Allowance for Credit Losses, page 79

7.     We note that you present gross loan information and credit quality
information (e.g., past
       due information, risk grades, etc.) by loan category (Commercial and
Industrial, Real
       Estate     Construction, commercial, Real Estate     Construction,
residential, Real Estate
 September 16, 2024
Page 3

       Mortgage, commercial, Real Estate     Mortgage, residential). We also
note that you
       disclose the allocation of Allowance for Credit Losses ("ACL") by these
loan categories at
       the end of the period on page 44. However, your disclosure of the ACL
rollforward on
       page 79 is presented only at the major loan segment (i.e., Commercial
and Consumer)
       level. Please revise your disclosure, in future filings, to provide a
rollforward by portfolio
       segment, consistent with your loan category and other credit quality
disclosures. Refer to
       ASC 326-20-50-13.
Form 10-Q for quarterly period ended June 30, 2024
Item 2. Management's Discussion and Analysis of Financial Condition and Results
of Operations
Private Placements, page 37

8.     We note your disclosures here and in the footnotes regarding warrants
issued as part of
       your private placements, including that holders have an option for, but
do not appear to be
       compelled to use, cashless exercise. Please provide us with your
accounting analysis
       regarding balance sheet classification for the warrants. Include
specific references to
       authoritative guidance you relied upon in reaching your conclusions.
        We remind you that the company and its management are responsible for
the accuracy
and adequacy of their disclosures, notwithstanding any review, comments, action
or absence of
action by the staff.

       Please contact Sarmad Makhdoom at 202-551-5776 or Cara Lubit at
202-551-5909 if you
have questions regarding comments on the financial statements and related
matters. Please
contact John Stickel at 202-551-3324 or Todd Schiffman at 202-551-3491 with any
other
questions.



                                                             Sincerely,

                                                             Division of
Corporation Finance
                                                             Office of Finance
</TEXT>
</DOCUMENT>
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