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BLUE RIDGE BANKSHARES, INC.
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Last updated Oct 16, 2026.
Overview
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Financials
From the company’s reports to the SEC. Every number links to the filing it came from.
Key numbers, fiscal 2020
Where the money goes
Where each dollar of revenue went, fiscal 2020
- Interest31¢$9.9M
- Income tax15¢$4.8M
- Profit54¢$17.7M
Financial statements
Every line of the income statement in the latest annual report, as filed.8
| Period ending | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Interest and fees on loans | $121.4M | $142.3M |
| Interest on securities, deposit accounts, and federal funds sold | $16.4M | $18.0M |
| Total interest income | $137.8M | $160.3M |
| Interest on deposits | $51.1M | $69.1M |
| Interest on subordinated notes | $2.0M | $2.4M |
| Interest on FHLB and FRB borrowings | $5.8M | $10.2M |
| Total interest expense | $58.9M | $81.7M |
| Net interest income | $78.9M | $78.7M |
| Recovery of credit losses - loans | -$3.9M | -$2.9M |
| Recovery of credit losses - unfunded commitments | -$100.0K | -$2.2M |
| Total recovery of credit losses | -$4.0M | -$5.1M |
| Net interest income after recovery of credit losses | $82.9M | $83.8M |
| Service charges on deposit accounts | $2.6M | $1.5M |
| Bank and purchase card interchange income, net | $2.3M | $2.1M |
| Wealth and trust management fees | $1.9M | $2.4M |
| Swap transaction fees | $540.0K | $0 |
| Increase in cash surrender value of bank owned life insurance | $33.0K | $855.0K |
| Residential mortgage banking income | $860.0K | $9.8M |
| "Mortgage servicing rights (""MSRs"")" | -$385.0K | $629.0K |
| Income (loss) on sale of MSRs | $1.4M | -$3.6M |
| Loss on sale of securities available for sale | $0 | -$67.0K |
| Fair value adjustments of other equity investments | -$112.0K | -$8.2M |
| Other | $3.8M | $8.1M |
| Total noninterest income | $12.8M | $13.6M |
| Salaries and employee benefits | $46.2M | $58.2M |
| Occupancy and equipment | $4.9M | $5.6M |
| Technology and communications | $9.7M | $10.0M |
| Legal and regulatory filings | $2.4M | $2.0M |
| Advertising and marketing | $1.2M | $933.0K |
| Audit fees | $1.4M | $3.0M |
| FDIC insurance | $2.8M | $5.5M |
| Intangible amortization | $914.0K | $1.1M |
| Other contractual services | $1.9M | $6.6M |
| Other taxes and assessments | $3.7M | $3.0M |
| Regulatory remediation | $0 | $4.7M |
| Other | $6.8M | $13.2M |
| Total noninterest expense | $81.9M | $113.8M |
| Income (loss) before income tax expense | $13.8M | -$16.5M |
| Income tax expense (benefit) | $3.1M | -$1.1M |
| Net income (loss) | $10.7M | -$15.4M |
| Basic earnings (loss) per common share | $0 | -$0 |
| Diluted earnings (loss) per common share | $0 | -$0 |
Every line of the balance sheet in the latest annual report, as filed.8
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Cash and due from banks | $115.9M | $173.5M | |
| Restricted cash | $0 | $2.5M | |
| Federal funds sold | $1.9M | $838.0K | |
| Securities available for sale, at fair value | $332.9M | $312.0M | |
| Restricted equity investments | $19.0M | $19.3M | |
| Other equity investments | $4.9M | $4.8M | |
| Other investments | $20.8M | $19.4M | |
| Loans held for sale | $14.8M | $31.0M | |
| Loans held for investment, net of deferred fees and costs | $1.9B | $2.1B | |
| Less: allowance for credit losses | -$19.4M | -$23.0M | -$35.9M |
| Loans held for investment, net | $1.8B | $2.1B | |
| Accrued interest receivable | $10.8M | $12.5M | |
| Other real estate owned | $1.7M | $279.0K | |
| Premises and equipment, net | $21.5M | $21.4M | |
| Right-of-use assets | $6.6M | $8.0M | |
| Other intangible assets | $2.6M | $3.9M | |
| Deferred tax asset, net | $22.7M | $27.3M | |
| Other assets | $10.1M | $11.8M | |
| Total assets | $2.4B | $2.7B | |
| Noninterest-bearing demand | $398.5M | $452.7M | |
| Interest-bearing demand and money market | $612.6M | $598.9M | |
| Savings | $100.3M | $100.9M | |
| Time | $799.6M | $1.0B | |
| Total deposits | $1.9B | $2.2B | |
| FHLB borrowings | $150.0M | $150.0M | |
| Subordinated notes, net | $14.7M | $39.8M | |
| Lease liabilities | $7.2M | $8.6M | |
| Other liabilities | $25.8M | $31.6M | |
| Total liabilities | $2.1B | $2.4B | |
| Common stock, no par value; 150,000,000 shares authorized at December 31, 2025 and December 31, 2024, respectively; and 91,475,278 and 84,972,610 shares issued and outstanding at December 31, 2025 and December 31, 2024, respectively | $331.9M | $322.8M | |
| Additional paid-in capital | $23.6M | $29.7M | |
| (Accumulated deficit) retained earnings | -$659.0K | $17.8M | |
| Accumulated other comprehensive loss, net of tax | -$31.1M | -$42.5M | |
| Total stockholders equity | $323.7M | $327.8M | $186.0M |
| Total liabilities and stockholders equity | $2.4B | $2.7B | |
| Common stock, no par value | $0 | $0 | |
| Common stock, shares authorized | 150.0M shares | 150.0M shares | |
| Common stock, shares, issued | 91.5M shares | 85.0M shares | |
| Common stock, shares, outstanding | 91.5M shares | 85.0M shares |
Every line of the cash flow in the latest annual report, as filed.8
| Period ending | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Net income (loss) | $10.7M | -$15.4M |
| Depreciation and amortization | $1.4M | $1.5M |
| Deferred income tax expense | $1.2M | -$6.2M |
| Recovery of credit losses - loans | -$3.9M | -$2.9M |
| Recovery of credit losses - unfunded commitments | -$100.0K | -$2.2M |
| Accretion of fair value adjustments on acquired loans, time deposits and subordinated notes | -$1.8M | -$1.5M |
| Proceeds from sale of other loans held for sale | $0 | $25.2M |
| Proceeds from sale of mortgage loans held for sale | $42.4M | $220.7M |
| Mortgage loans held for sale, originated | -$34.2M | -$211.8M |
| Gain on sale of mortgage loans | -$532.0K | -$2.4M |
| Proceeds from sale of guaranteed government loans held for sale | $0 | $1.6M |
| Guaranteed government loans held for sale, originated | $0 | -$293.0K |
| Gain on sale of guaranteed government loans | $0 | -$102.0K |
| Increase in cash surrender value of bank owned life insurance | -$33.0K | -$855.0K |
| Fair value adjustments of other equity investments | $112.0K | $8.2M |
| MSR | $385.0K | -$629.0K |
| (Income) loss on sale of MSRs | -$1.4M | $3.6M |
| Realized loss on sale of securities available for sale | $0 | $67.0K |
| Loss on disposal of premises and equipment, other investments, other assets, and other real estate owned | $283.0K | $44.0K |
| Investment amortization expense, net | $205.0K | $513.0K |
| Amortization of subordinated debt issuance costs | $15.0K | $34.0K |
| Intangible amortization | $914.0K | $1.1M |
| Decrease in accrued interest receivable | $1.8M | $2.4M |
| Decrease (increase) in other assets | $9.9M | -$18.8M |
| Decrease in other liabilities | -$13.7M | -$8.2M |
| Cash provided by (used in) operating activities | $13.6M | -$6.3M |
| Purchase of securities available for sale | -$36.0M | -$15.4M |
| Proceeds from calls, sales, paydowns, and maturities of securities available for sale | $30.2M | $27.0M |
| Net (increase) decrease in federal funds sold | -$1.0M | $3.6M |
| Proceeds from sale of premises and equipment, other investments, other assets, MSRs, and other real estate owned | $1.5M | $37.5M |
| Capital calls of SBIC funds and other investments | -$2.1M | -$2.8M |
| Nonincome distributions from limited liability companies | $540.0K | $741.0K |
| Net decrease in loans held for investment | $249.7M | $321.8M |
| Proceeds from surrender of bank owned life insurance policies | $212.0K | $48.2M |
| Net change in restricted equity and other investments | $502.0K | -$1.0M |
| Purchase of premises and equipment | -$1.7M | -$588.0K |
| Cash provided by investing activities | $241.9M | $419.0M |
| Net decrease in demand, savings, and other interest-bearing deposits | -$40.9M | -$521.3M |
| Net (decrease) increase in time deposits | -$227.3M | $135.0M |
| FHLB advances | $0 | $726.0M |
| FHLB repayments | $0 | -$786.0M |
| FRB repayments | $0 | -$65.0M |
| Subordinated note redemptions | -$25.0M | $0 |
| Proceeds from Private Placements, net of issuance costs | $0 | $152.1M |
| Common stock dividends paid | -$22.6M | $0 |
| Repurchases of common stock and warrants to purchase common stock | -$9.5M | $0 |
| Warrants exercised | $9.8M | $1.3M |
| Cash used in financing activities | -$315.5M | -$357.9M |
| Net (decrease) increase in cash and due from banks | -$60.0M | $54.8M |
| Interest | $61.1M | $83.5M |
| Income taxes | $6.6M | $0 |
| Loans held for investment transferred to loans held for sale | $0 | $14.4M |
| Loans held for sale transferred to loans held for investment | $0 | $3.3M |
| Loans held for investment transferred to other real estate owned | $1.5M | $409.0K |
| Loans held for investment transferred to other non-real estate owned | $222.0K | $0 |
| Unrealized gain on securities available for sale | $14.9M | $3.3M |
| Restricted stock awards, net of forfeitures | $2.7M | $1.2M |
| Conversion of preferred stock into common stock | $0 | $116.0M |
Recent filings
- Aug 17, 20268-K
- Aug 17, 2026DEFA14A
- Aug 10, 20268-K/A
- Aug 10, 202610-Q
- Jul 28, 20268-K
- Jul 7, 20264
- Jul 7, 20264
- Jul 7, 20264
- Jul 7, 20264
- Jul 7, 20264
- Jul 7, 20264
- Jul 7, 20264
- Jun 18, 20268-K
- Jun 18, 20268-K/A
- May 28, 20268-K
Every filing from the last three years, summarized. The full record is on SEC EDGAR.1
Sources
The numbers on this page point here. Each one links to the record it came from.
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