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Minimum Regulatory Capital Requirements (Tables)
12 Months Ended
Dec. 31, 2021
Regulatory Matters [Abstract]  
Summary of Capital Requirements Administered by Banking Agencies Capital Ratios

The following tables present capital ratios for the Bank as of the dates stated. Adequately capitalized ratios include the conversation buffer.

 

 

 

December 31, 2021

 

 

 

Actual

 

 

For Capital
Adequacy
Purposes

 

 

To Be Well
Capitalized

 

(Dollars in thousands)

 

Amount

 

 

Ratio

 

 

Amount

 

 

Ratio

 

 

Amount

 

 

Ratio

 

Total risk based capital

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

(To risk-weighted assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Blue Ridge Bank, N.A.

 

$

273,978

 

 

 

13.11

%

 

$

219,393

 

 

 

10.50

%

 

$

208,946

 

 

 

10.00

%

Tier 1 capital

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

(To risk-weighted assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Blue Ridge Bank, N.A.

 

$

260,896

 

 

 

12.49

%

 

$

177,604

 

 

 

8.50

%

 

$

167,157

 

 

 

8.00

%

Common equity tier 1 capital

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

(To risk-weighted assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Blue Ridge Bank, N.A.

 

$

260,896

 

 

 

12.49

%

 

$

146,262

 

 

 

7.00

%

 

$

135,815

 

 

 

6.50

%

Tier 1 leverage

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

(To average assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Blue Ridge Bank, N.A.

 

$

260,896

 

 

 

10.05

%

 

$

103,883

 

 

 

4.00

%

 

$

129,853

 

 

 

5.00

%

 

 

 

 

December 31, 2020

 

 

 

Actual

 

 

For Capital
Adequacy
Purposes

 

 

To Be Well
Capitalized

 

(Dollars in thousands)

 

Amount

 

 

Ratio

 

 

Amount

 

 

Ratio

 

 

Amount

 

 

Ratio

 

Total risk based capital

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

(To risk-weighted assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Blue Ridge Bank, N.A.

 

$

109,219

 

 

 

13.10

%

 

$

87,574

 

 

 

10.50

%

 

$

83,404

 

 

 

10.00

%

Tier 1 capital

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

(To risk-weighted assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Blue Ridge Bank, N.A.

 

$

98,751

 

 

 

11.84

%

 

$

70,893

 

 

 

8.50

%

 

$

66,723

 

 

 

8.00

%

Common equity tier 1 capital

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

(To risk-weighted assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Blue Ridge Bank, N.A.

 

$

98,751

 

 

 

11.84

%

 

$

58,383

 

 

 

7.00

%

 

$

54,213

 

 

 

6.50

%

Tier 1 leverage

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

(To average assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Blue Ridge Bank, N.A.

 

$

98,751

 

 

 

8.34

%

 

$

47,363

 

 

 

4.00

%

 

$

59,180

 

 

 

5.00

%