Summary of Capital Requirements Administered by Banking Agencies Capital Ratios |
The following tables present the capital and capital ratios to which the Bank is subject and the amounts and ratios to be adequately and well capitalized as of the dates stated. Adequately capitalized ratios include the conversation buffer, if applicable.
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Actual |
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For Capital Adequacy Purposes |
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To Be Well Capitalized |
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(Dollars in thousands) |
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Amount |
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Ratio |
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Amount |
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Ratio |
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Amount |
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Ratio |
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As of September 30, 2022 |
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Total risk based capital |
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(To risk-weighted assets) |
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Blue Ridge Bank, N.A. |
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$ |
293,113 |
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12.36 |
% |
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$ |
248,986 |
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10.50 |
% |
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$ |
237,129 |
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10.00 |
% |
Tier 1 capital |
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(To risk-weighted assets) |
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Blue Ridge Bank, N.A. |
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$ |
271,227 |
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11.44 |
% |
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$ |
201,561 |
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8.50 |
% |
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$ |
189,704 |
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8.00 |
% |
Common equity tier 1 capital |
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(To risk-weighted assets) |
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Blue Ridge Bank, N.A. |
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$ |
271,227 |
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11.44 |
% |
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$ |
165,991 |
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7.00 |
% |
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$ |
154,135 |
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6.50 |
% |
Tier 1 leverage |
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(To average assets) |
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Blue Ridge Bank, N.A. |
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$ |
271,227 |
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9.43 |
% |
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$ |
115,073 |
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4.00 |
% |
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$ |
143,841 |
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5.00 |
% |
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Actual |
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For Capital Adequacy Purposes |
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To Be Well Capitalized |
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(Dollars in thousands) |
|
Amount |
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Ratio |
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Amount |
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Ratio |
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Amount |
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Ratio |
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As of December 31, 2021 |
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Total risk based capital |
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(To risk-weighted assets) |
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Blue Ridge Bank, N.A. |
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$ |
273,978 |
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13.11 |
% |
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$ |
219,393 |
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10.50 |
% |
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$ |
208,946 |
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10.00 |
% |
Tier 1 capital |
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(To risk-weighted assets) |
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Blue Ridge Bank, N.A. |
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$ |
260,896 |
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12.49 |
% |
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$ |
177,604 |
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8.50 |
% |
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$ |
167,157 |
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8.00 |
% |
Common equity tier 1 capital |
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(To risk-weighted assets) |
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Blue Ridge Bank, N.A. |
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$ |
260,896 |
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12.49 |
% |
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$ |
146,262 |
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7.00 |
% |
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$ |
135,815 |
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6.50 |
% |
Tier 1 leverage |
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(To average assets) |
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Blue Ridge Bank, N.A. |
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$ |
260,896 |
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10.05 |
% |
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$ |
103,883 |
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4.00 |
% |
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$ |
129,853 |
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5.00 |
% |
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