BlueRidge Bank

18 West Patrick Street
Frederick, MD 21701


General Bank Information

FDIC Insured Yes
FDIC Certificate # 58756
Date Established 2008
Assets $0.20 billion
Loans $0.17 billion
Deposits $0.18 billion
Capital $0.02 billion

BlueRidge Bank is an FDIC insured institution located in Frederick, MD. It was founded in 2008 and has approximately $0.22 billion in assets.

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

Bank Loan Profile?

The top three loan types in BlueRidge Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Small Business Loans.

Compared to other banks in Maryland, BlueRidge Bank has a significantly higher percent of Multifamily Mortgages, Small Business 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 19.13
Credit Card Loans 0.00
Consumer Auto Loans 0.03
Small Business Loans 17.50
Construction and Development Loans 6.02
Commercial Real Estate 52.62
Commercial and Industrial Loans 14.44
Farm Loans 0.00

Loan Rates

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Financial Details

BlueRidge Bank Ratio Analysis

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

Texas Ratio
BlueRidge Bank U.S. Bank Average
0% 8.87%

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of March 31, 2017, BlueRidge Bank had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $16,471,000 in equity and $1,837,000 in loans loss reserves. That gives it a Texas Ratio of 0%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
BlueRidge Bank U.S. Bank Average
4.15% 8.39%

BlueRidge Bank has a Return on Equity of 4.15% versus the BestCashCow average of 8.39%. 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.

BlueRidge Bank U.S. Bank Average
8.17% 11.94%

BlueRidge Bank has a Capitalization of 8.17% versus the BestCashCow average of 11.94%. 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.

BlueRidge Bank Balance Sheet Analysis

As of March 31, 2015, BlueRidge Bank had assets of $215,027,000, loans of $169,790,000, and deposits of $176,469,000. 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.

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