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Investor Relations14 Oct 2025
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Blue Ridge Bankshares (BRBS) investor relations material
Blue Ridge Bankshares Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary23 Jul, 2025
Executive summary
Net income of $1.3 million for Q2 2025 and $0.9 million for the first half, reversing prior year losses; EPS was $0.01 per diluted share for both periods compared to losses in 2024.
Achieved net income of $1.3 million ($0.01 per share) in Q2 2025, reversing a net loss of $0.4 million in Q1 2025 and $11.4 million in Q2 2024.
Continued progress on regulatory Consent Order requirements, nearing completion of remediation activities.
Focus shifted from remediation to growth, with ongoing operational improvements and cost reductions.
Sale of the mortgage division completed in March 2025, resulting in a $0.2 million loss; all related loans closed, funded, and sold by quarter-end.
Financial highlights
Total assets decreased to $2.56 billion as of June 30, 2025, down $181.8 million from December 31, 2024, mainly due to a $133.2 million decline in loans held for investment.
Net interest income for Q2 2025 was $19.8 million, up from $19.0 million in Q1 2025; net interest margin improved to 3.15% from 2.90% sequentially.
Noninterest expense dropped 24.9% year-over-year for Q2 and 27.2% for the first half, reflecting lower salaries, contractual services, and regulatory remediation costs.
Noninterest income increased to $3.2 million from $3.1 million sequentially, driven by higher service charges and MSR reserve release.
Allowance for credit losses was $22.0 million at June 30, 2025, compared to $23.0 million at year-end 2024.
Outlook and guidance
Management expects continued reduction in brokered deposits to 10% or less of total deposits over time.
The company anticipates maintaining capital ratios above Consent Order minimums and further progress on regulatory directives.
Ongoing focus on cost-saving initiatives, efficiency measures, and transitioning to a traditional community banking model.
Expect further reductions in noninterest expenses and aim for an annualized run rate of noninterest expense to assets below 3% by Q4 2025.
Anticipate continued, but slowing, runoff of non-core loans and deposits in Q3 2025.
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Next Blue Ridge Bankshares earnings date
Q3 202528 Oct, 2025
Next Blue Ridge Bankshares earnings date
Q3 202528 Oct, 2025
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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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