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Blue Ridge Bankshares
Blue Ridge Bankshares (BRBS) investor relations material
Blue Ridge Bankshares Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary29 Jan, 2026
Executive summary
Achieved net income of $4.2M ($0.04/share) in Q4 2025, up from a $2.0M loss in Q4 2024, but down from $5.6M in Q3 2025.
Full-year 2025 net income was $10.7M ($0.11/share), reversing a $15.4M loss in 2024.
Consent Order from OCC was terminated in November 2025, reducing regulatory costs and enabling a special $0.25/share dividend.
Headcount reduced by over 30% year-over-year, driving lower noninterest expenses.
Financial highlights
Q4 2025 net interest income was $18.1M, down from $21.9M in Q3 2025 and $19.1M in Q4 2024.
Net interest margin was 3.04% in Q4 2025, down from 3.60% in Q3 2025 but up from 2.80% in Q4 2024.
Noninterest income was $2.7M in Q4 2025, down from $3.8M in Q3 2025.
Noninterest expense fell to $16.9M in Q4 2025 from $20.0M in Q3 2025 and $25.6M in Q4 2024.
Total assets declined to $2.43B at year-end 2025 from $2.74B at year-end 2024.
Loans held for investment dropped to $1.87B at year-end 2025 from $2.11B at year-end 2024.
Total deposits decreased to $1.91B at year-end 2025 from $2.18B at year-end 2024.
Outlook and guidance
Projecting mid-single digit balance sheet growth and positive momentum for 2026.
Future capital flexibility post-dividend
Loan growth strategy given out-of-market runoff
NIM outlook considering asset contraction and costs
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Latest events from Blue Ridge Bankshares
- Recapitalization registers 97M shares for resale; proceeds support growth, with concentrated ownership.BRBS
Registration Filing16 Dec 2025 - Virtual meeting to vote on directors, expanded stock plan, and auditor ratification amid governance focus.BRBSProxy Filing2 Dec 2025
- Shareholders will vote on board declassification, executive pay, and auditor ratification at the 2025 meeting.BRBSProxy Filing2 Dec 2025
- Board seeks approval for declassification, executive pay, and auditor ratification at 2025 meeting.BRBSProxy Filing2 Dec 2025
- Private placement raises $11.6M, with major changes to capital structure pending approval.BRBSProxy Filing2 Dec 2025
- Virtual annual meeting to vote on directors, stock plan, and auditor ratification.BRBSProxy Filing2 Dec 2025
- Shareholders to vote on director elections, board declassification, compensation, and auditor ratification.BRBSProxy Filing2 Dec 2025
- Q3 2025 net income hit $5.6M, margins rose, and capital remained strong amid strategic changes.BRBSQ3 202514 Nov 2025
- Q2 2024 net loss of $11.4M, fintech impairment, capital raised, and BaaS exit progress.BRBSQ2 202417 Oct 2025
Next Blue Ridge Bankshares earnings date
Q1 202623 Apr, 2026
Blue Ridge Bankshares
Next Blue Ridge Bankshares earnings date
Q1 202623 Apr, 2026
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