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Minimum Regulatory Capital Requirements (Tables)
 3 Months Ended
Mar. 31, 2025
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. 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 $6.1 million and $4.1 million reduced the regulatory capital amounts and capital ratios as of March 31, 2025 and December 31, 2024, respectively.

 

 

March 31, 2025

 

 

 

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.

 

$

360,244

 

 

 

17.93

%

 

$

210,943

 

 

 

10.50

%

 

$

200,898

 

 

 

10.00

%

 

$

261,167

 

 

 

13.00

%

Blue Ridge Bankshares, Inc.

 

$

421,913

 

 

 

20.83

%

 

$

162,048

 

 

 

8.00

%

 

n/a

 

 

n/a

 

 

n/a

 

 

n/a

 

Tier 1 capital (to risk-weighted assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Blue Ridge Bank, N.A.

 

$

339,061

 

 

 

16.88

%

 

$

170,763

 

 

 

8.50

%

 

$

160,718

 

 

 

8.00

%

 

n/a

 

 

n/a

 

Blue Ridge Bankshares, Inc.

 

$

365,857

 

 

 

18.06

%

 

$

121,536

 

 

 

6.00

%

 

n/a

 

 

n/a

 

 

n/a

 

 

n/a

 

Common equity tier 1 capital (to risk-weighted assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Blue Ridge Bank, N.A.

 

$

339,061

 

 

 

16.88

%

 

$

140,628

 

 

 

7.00

%

 

$

130,583

 

 

 

6.50

%

 

n/a

 

 

n/a

 

Blue Ridge Bankshares, Inc.

 

$

365,857

 

 

 

18.06

%

 

$

91,152

 

 

 

4.50

%

 

n/a

 

 

n/a

 

 

n/a

 

 

n/a

 

Tier 1 leverage (to average assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Blue Ridge Bank, N.A.

 

$

339,061

 

 

 

12.33

%

 

$

110,013

 

 

 

4.00

%

 

$

137,517

 

 

 

5.00

%

 

$

275,033

 

 

 

10.00

%

Blue Ridge Bankshares, Inc.

 

$

365,857

 

 

 

13.23

%

 

$

110,641

 

 

 

4.00

%

 

n/a

 

 

n/a

 

 

n/a

 

 

n/a

 

 

 

 

December 31, 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.

 

$

358,848

 

 

 

17.26

%

 

$

218,260

 

 

 

10.50

%

 

$

207,866

 

 

 

10.00

%

 

$

270,226

 

 

 

13.00

%

Blue Ridge Bankshares, Inc.

 

$

414,284

 

 

 

19.79

%

 

$

167,444

 

 

 

8.00

%

 

n/a

 

 

n/a

 

 

n/a

 

 

n/a

 

Tier 1 capital (to risk-weighted assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Blue Ridge Bank, N.A.

 

$

340,386

 

 

 

16.38

%

 

$

176,687

 

 

 

8.50

%

 

$

166,293

 

 

 

8.00

%

 

n/a

 

 

n/a

 

Blue Ridge Bankshares, Inc.

 

$

360,933

 

 

 

17.24

%

 

$

125,583

 

 

 

6.00

%

 

n/a

 

 

n/a

 

 

n/a

 

 

n/a

 

Common equity tier 1 capital (to risk-weighted assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Blue Ridge Bank, N.A.

 

$

340,386

 

 

 

16.38

%

 

$

145,507

 

 

 

7.00

%

 

$

135,113

 

 

 

6.50

%

 

n/a

 

 

n/a

 

Blue Ridge Bankshares, Inc.

 

$

360,933

 

 

 

17.24

%

 

$

94,187

 

 

 

4.50

%

 

n/a

 

 

n/a

 

 

n/a

 

 

n/a

 

Tier 1 leverage (to average assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Blue Ridge Bank, N.A.

 

$

340,386

 

 

 

11.80

%

 

$

115,364

 

 

 

4.00

%

 

$

144,204

 

 

 

5.00

%

 

$

288,409

 

 

 

10.00

%

Blue Ridge Bankshares, Inc.

 

$

360,933

 

 

 

12.43

%

 

$

116,169

 

 

 

4.00

%

 

n/a

 

 

n/a

 

 

n/a

 

 

n/a