Blue Ridge Bankshares is a small community bank holding company headquartered in Richmond, Virginia, operating through its primary subsidiary, Blue Ridge Bank. With roughly $2.4B in total assets and 27 full-service branches, Blue Ridge Bank serves businesses, professionals, consumers, nonprofits, and municipalities across Virginia and into central North Carolina. The bank's core business is lending, with a ~$1.87B gross loan portfolio spanning commercial real estate, C&I loans, residential and commercial mortgages, consumer loans, and SBA loans. The bank funds its lending through ~$1.91B in deposits gathered across its branch network. Blue Ridge earns money primarily on net interest income — the spread between what it earns on loans and investments and what it pays on deposits. Fee income is secondary, coming from deposit transaction fees, SBA loan sale gains, and wealth management fees through its subsidiary BRB Financial Group, which offers trust administration, investment management, and estate planning services. Over the past two years, Blue Ridge has undergone a significant restructuring: it fully wound down a banking-as-a-service business that had drawn regulatory scrutiny, sold its Monarch Mortgage retail division in March 2025, and raised ~$161.6M in capital through private placements in 2024. A regulatory consent order issued by the OCC in January 2024 was terminated in November 2025. The result is a smaller, simpler community bank focused on traditional commercial and retail banking.