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Blue Ridge Bankshares (BRBS) investor relations material
Blue Ridge Bankshares Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary4 Nov, 2025
Executive summary
Net income for Q3 2025 was $5.6 million ($0.06 per diluted share), the highest since 2022, up from $0.9 million in Q3 2024 and $1.3 million in Q2 2025; YTD net income was $6.5 million, reversing a $13.4 million loss in the prior year.
Results benefited from $3.0 million in loan fee income, $0.8 million recovery from a charged-off specialty finance loan, and $0.8 million in noninterest income from mortgage servicing rights.
Total assets decreased to $2.50 billion as of September 30, 2025, from $2.74 billion at year-end 2024, mainly due to a $199.1 million reduction in loans held for investment.
The company completed the sale of its mortgage division in March 2025 and launched a $15 million share repurchase program in August 2025.
Noninterest expenses declined, reflecting lower FDIC insurance, audit fees, and reduced headcount.
Financial highlights
Net interest income for Q3 2025 was $21.9 million, up from $19.8 million in Q2 2025 but down $2.8 million year-over-year; YTD net interest income was $60.7 million, down $1.2 million.
Net interest margin improved to 3.60% in Q3 2025 from 3.15% in Q2 2025 and 2.74% in Q3 2024, aided by one-time loan fee income.
Interest expense fell to $14.3 million in Q3 2025 from $20.1 million in Q3 2024, reflecting lower deposit and borrowing costs.
Noninterest income for Q3 2025 was $3.8 million, up 42% year-over-year, driven by higher service charges, swap transaction fees, and income on sale of mortgage servicing rights.
Noninterest expense dropped 24% year-over-year in Q3 2025, with lower salaries, benefits, and FDIC premiums.
Outlook and guidance
Management expects continued strong results in Q4 2025, with lower legal and consulting expenses and a focus on core community banking.
The company plans to maintain strong capital and liquidity positions while managing regulatory requirements under the OCC Consent Order.
Focus remains on growth, with a $200 million loan pipeline and new commercial relationship managers joining in Q4.
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Next Blue Ridge Bankshares earnings date
Q4 202529 Jan, 2026
Next Blue Ridge Bankshares earnings date
Q4 202529 Jan, 2026
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Frequently asked questions
Blue Ridge Bankshares Inc. is a bank holding company that provides a variety of financial services through its main subsidiary, Blue Ridge Bank. The company offers personal and business banking products, such as checking and savings accounts, commercial and residential loans, and credit services to meet the needs of individuals and businesses. Blue Ridge Bankshares also offers specialized financial services, including treasury management, merchant services, and mortgage banking, as well as access to wealth management and financial advisory services. The company is headquartered in Charlottesville, Virginia, and its shares are listed on the NYSE American.
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