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

Deposit Rates

Your Current Location: Virginia, VA 20146

There are currently no rates available for Blueridge Bank, but see these great savings and CD rates:

Advertiser Disclosure

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for BlueRidge Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2018

Lender APR Rate (%) Points Fees Monthly
Learn More NMLS#2890
NMLS ID: 2890
License#: MC-3098
4.325% 4.250% 0.50 $2,354 $1,230 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.125% 5.125% 0.00 $0 $1,362 Learn More
Rocket Mortgage
NMLS ID: 3030
4.875% 4.875% 0.00 $0 $1,324 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 4.240% $245.68 Learn More
Flagstar Bank 5.740% $291.47 Learn More

Note to BlueRidge Bank
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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% 7.92%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s 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, 2018, 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%.

Return on Equity
BlueRidge Bank U.S. Bank Average
4.15% 9.35%

BlueRidge Bank has a Return on Equity of 4.15% versus the BestCashCow average of 9.35%. 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% 12.01%

BlueRidge Bank has a Capitalization of 8.17% versus the BestCashCow average of 12.01. 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.

Summary Balance Sheet

Cash & Balances due from depository institutions $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.00 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.17 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.00 billion
Total deposits $0.18 billion
      Interest-bearing deposits $0.00 billion
      Deposits held in domestic offices $0.00 billion
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.00 billion
      Shareholders’ Equity $0.20 billion

Summary Income Statement

Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Frequently Asked Questions About Blueridge Bank

Branches and Savings

Is Blueridge Bank FDIC insured?

Yes. It is covered under FDIC Certificate #58756.

Why does Blueridge Bank pay such low interest on savings accounts?

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Why are Blueridge Bank CD rates not competitive?

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Is Blueridge Bank a commercial bank?


Where are Blueridge Bank locations?

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Does Blueridge Bank offer mortgages?

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Does Blueridge Bank offer home equity lines of credit and home equity loans?

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Does Blueridge Bank offer personal loans?

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Does Blueridge Bank offer student loans?

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Background on The Bank

Who owns Blueridge Bank?

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