Blue Ridge Bank and Trust Co.

Headquarters

4200 Little Blue Parkway
Independence, MO 64057
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 0.95% →
1-Year CD 0.50% 1.01% →
2-Year CD 0.58% 0.95% →
5-Year CD 1.61% 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Blue Ridge Bank and Trust Co. is an FDIC insured institution located in Independence, MO. It was founded in 1958 and has approximately $0.56 billion in assets. Customers can open an account at one of its 9 branches.

FDIC Insured Yes
FDIC Certificate # 17933
Date Established 1958
Assets $ 559.59 million
Loans $ 395.23 million
Deposits $ 481.62 million
Capital $ 56.59 million
 

For a more detailed analysis of Blue Ridge Bank and Trust Co.'s financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - October 24, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Savings
0.10% $2,500 $4,999 Learn More
Money Market
0.15% $25,000 $29,999 Learn More
CD Rates APY MIN MAX
3 Mo CD
0.10% $10,000 $14,999 Learn More
3 Mo CD
0.10% $100,000 $199,999 Learn More
6 Mo CD
0.20% $10,000 $14,999 Learn More
6 Mo CD
0.20% $100,000 $199,999 Learn More
12 Mo CD
0.50% $10,000 $14,999 Learn More
12 Mo CD
0.50% $100,000 $199,999 Learn More
18 Mo CD
0.50% $10,000 $14,999 Learn More
18 Mo CD
0.50% $100,000 $199,999 Learn More
24 Mo CD
0.58% $10,000 $14,999 Learn More
24 Mo CD
0.58% $100,000 $199,999 Learn More
30 Mo CD
0.58% $10,000 $14,999 Learn More
30 Mo CD
0.58% $100,000 $199,999 Learn More
36 Mo CD
1.08% $10,000 $14,999 Learn More
36 Mo CD
1.08% $100,000 $199,999 Learn More
48 Mo CD
1.34% $10,000 $14,999 Learn More
48 Mo CD
1.34% $100,000 $199,999 Learn More
60 Mo CD
1.61% $10,000 $14,999 Learn More
60 Mo CD
1.61% $100,000 $199,999 Learn More


Loan Rates - October 24, 2020

Your Current Location: Virginia, VA 20146

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.

Branches

Blue Ridge Bank and Trust Co. branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Blue Ridge Bank and Trust Co. Locations


Financial Details

Blue Ridge Bank and Trust Co. Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Blue Ridge Bank and Trust Co.. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Blue Ridge Bank and Trust Co. U.S. Bank Average
8.76% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, Blue Ridge Bank and Trust Co. had $5,402,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $56,591,000 in equity and $5,054,000 in loans loss reserves. That gives it a Texas Ratio of 8.76%.

Return on Equity
Blue Ridge Bank and Trust Co. U.S. Bank Average
9.9% 7.80%

Blue Ridge Bank and Trust Co. has a Return on Equity of 9.9% versus the BestCashCow average of 7.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Blue Ridge Bank and Trust Co. U.S. Bank Average
10.11% 12.68%

Blue Ridge Bank and Trust Co. has a Capitalization of 10.11% versus the BestCashCow average of 12.68. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Blue Ridge Bank and Trust Co. Balance Sheet Analysis

As of March 31, 2020, Blue Ridge Bank and Trust Co. had assets of $559,585,000, loans of $395,232,000, and deposits of $481,621,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2020
ASSETS
Cash & Balances due from depository institutions $ 40.33 million
Interest-bearing balances $ 28.40 million
Total securities $ 91.57 million
Federal funds sold and reverse repurchase $ 0.11 million
Net loans and leases $ 395.23 million
Loan loss allowance $ 5.05 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 16.35 million
     Total Assets $ 502.99 million
LIABILITIES
Total deposits $ 481.62 million
      Interest-bearing deposits $ 348.36 million
      Deposits held in domestic offices $ 481.62 million
      % insured (estimated) 85.13%
Federal funds purchased and repurchase agreements $ 13.62 million
Trading liabilities N.A.
Other borrowed funds $ 6.00 million
Subordinated debt N.A.
All other liabilities $ 1.75 million
      Total Liabilities $ 502.99 million
      Shareholders’ Equity $ 56.59 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 5.76 million
Total Interest Expense $ 0.71 million
Net interest income $ 5.05 million
Provision for loan and lease losses $ 0.24 million
Total non interest income $ 1.42 million
Total non interest expense $ 4.40 million
Pre-tax Net Operating Income $ 1.83 million

Bank Loan Profile?

The top three loan types in Blue Ridge Bank and Trust Co.’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and Consumer Auto Loans.

Compared to other banks in Missouri, Blue Ridge Bank and Trust Co. has a significantly higher percent of Multifamily Mortgages, Consumer Auto Loans, Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 11.11
Multifamily
Mortgages
6.06
Credit Card Loans 0.00
Consumer Auto Loans 15.44
Small Business Loans 0.00
Construction and Development Loans 7.50
Commercial Real Estate 39.18
Commercial and Industrial Loans 19.08
Farm Loans 0.03

Frequently Asked Questions About Blue Ridge Bank And Trust Co.

Branches and Savings

Is Blue Ridge Bank And Trust Co. FDIC insured?

Yes. It is covered under FDIC Certificate #17933.

Why does Blue Ridge Bank And Trust Co. pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Blue Ridge Bank And Trust Co. CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Blue Ridge Bank And Trust Co. a commercial bank?

Yes

Where are Blue Ridge Bank And Trust Co. locations?

See branch locations nearby.

Is Blue Ridge Bank And Trust Co. open on Saturdays?

Is Blue Ridge Bank And Trust Co. open on Sundays?

What time does Blue Ridge Bank And Trust Co. open?

What time does Blue Ridge Bank And Trust Co. close?

Are Blue Ridge Bank And Trust Co. ATMs Open 24/7?

Do Blue Ridge Bank And Trust Co. ATMs accept cash deposits?

Can Blue Ridge Bank And Trust Co. customers use other ATMs?

Do Blue Ridge Bank And Trust Co. branches have notaries?

Will Blue Ridge Bank And Trust Co. notarize my document?

What address for Blue Ridge Bank And Trust Co. should I put for incoming ACH transfers?

Will the Blue Ridge Bank And Trust Co. branch print checks?

Do Blue Ridge Bank And Trust Co. checks expire?

Does Blue Ridge Bank And Trust Co. require US citizenship to open account?

Can Blue Ridge Bank And Trust Co. close my account?

Does Blue Ridge Bank And Trust Co. Report to credit bureaus?

Does Blue Ridge Bank And Trust Co. Use Equifax?

What is Blue Ridge Bank And Trust Co.'s ACH Routing Number?

What is Blue Ridge Bank And Trust Co.'s SWIFT code?

Products

Does Blue Ridge Bank And Trust Co. offer mortgages?

Compare mortgage rates here.

Does Blue Ridge Bank And Trust Co. offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Blue Ridge Bank And Trust Co. offer personal loans?

Compare personal loan rates here.

Does Blue Ridge Bank And Trust Co. offer student loans?

Will Blue Ridge Bank And Trust Co. cash a check?

Will Blue Ridge Bank And Trust Co. redeem a savings bond?

Does Blue Ridge Bank And Trust Co. cash savings bonds?

Will Blue Ridge Bank And Trust Co. cash money orders?

Can Blue Ridge Bank And Trust Co. issue a money order?

Does Blue Ridge Bank And Trust Co. do currency exchange?

Background on The Bank

Who owns Blue Ridge Bank And Trust Co.?

How long has Blue Ridge Bank And Trust Co. been around?

Can Blue Ridge Bank And Trust Co. transfer to other banks?

Does Blue Ridge Bank And Trust Co. have quick pay?

Does Blue Ridge Bank And Trust Co. accept rolled coins?

Will Blue Ridge Bank And Trust Co. accept loose change?

Where is Blue Ridge Bank And Trust Co. headquarters?

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