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BLUE RIDGE BANKSHARES, INC. (BRBS)

BLUE RIDGE BANKSHARES, INC. (BRBS)

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Cash Flow Overview

Change in Cash
-$84,917K
Free Cash flow
$1,506K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
    • Net change in loans held for inv...
    • Proceeds from calls, sales, payd...
    • Provision for (recovery of) cred...
    • Others
Negative Cash Flow Breakdown
    • Common stock dividends paid
    • Net decrease in brokered time de...
    • Purchases of loans held for inve...
    • Others
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Interest income
-
-
-
106,299
Interest expense
-
-
-
45,557
Net interest income
-
-
-
60,742
Commercial Banking
-
-
-
2,500
Mortgage Banking Segment
-
-
-
0
Parents Only
-
-
-
0
Eliminations
-
-
-
0
Recovery of credit losses
-
-
-
2,500
Net interest income after recovery of credit losses
-
-
-
63,242
Total noninterest income
-
-
-
10,149
Salaries and employee benefits
-
-
-
36,998
Occupancy and equipment
-
-
-
3,700
Technology and communication
-
-
-
7,663
Commercial Banking
-
-
-
15,571
Mortgage Banking Segment
-
-
-
626
Parents Only
-
-
-
740
Eliminations
-
-
-
-297
Other
-
-
-
16,640
Total noninterest expense
-
-
-
65,001
Income (loss) before income tax expense
-
-
-
8,390
Commercial Banking
-
-
-
2,923
Mortgage Banking Segment
-
-
-
-483
Parents Only
-
-
-
-515
Eliminations
-
-
-
0
Income tax expense (benefit)
-
-
-
1,925
Net (loss) income
-1,295
-5,629
-
5,603
Depreciation and amortization
363
-660
-
325
Deferred income tax (benefit) expense
-171
-3,447
-
1,988
Provision for (recovery of) credit losses - loans
3,500
1,900
-
-1,800
Increase in cash surrender value of bank owned life insurance
-
-
-
9
Recovery of credit losses - unfunded commitments
-
-
-
0
Provision for credit losses - unfunded commitments
550
-
-
-
Proceeds from sale of other loans held for sale
-
-
-
0
Accretion of fair value adjustments on acquired loans, time deposits, and subordinated notes
160
-1,340
-
673
Proceeds from sale of mortgage loans held for sale
0
-42,370
-
295
Mortgage loans held for sale, originated
0
-34,168
-
-148
Gain on sale of mortgage loans
0
-532
-
-9
Fair value adjustments of other equity investments
-
58
-
163
Proceeds from sale of guaranteed government loans held for sale
-
-
-
0
Net adjustments attributable to msrs
-
-
-
48
Guaranteed government loans held for sale, originated
-
-
-
0
(income) loss on sale of msrs
-
-
-
-1,026
Gain on sale of guaranteed government loans
-
-
-
0
Realized loss on sale of securities available for sale
-123
-
-
0
(gain) loss on disposal of premises and equipment, other assets, and other real estate owned
13
255
-
-6
Investment amortization expense, net
14
173
-
-34
Amortization of subordinated debt issuance costs
-189
-
-
1
Intangible amortization
191
-499
-
223
Decrease in accrued interest receivable
-994
1,872
-
-699
Decrease in other assets
1,031
-4,468
-
-778
Decrease in other liabilities
-1,376
13,416
-
-57
Cash provided by operating activities
1,727
15,035
128
6,429
Purchases of securities available for sale
-1
-23,422
-
13,335
Proceeds from calls, sales, paydowns, and maturities of securities available for sale
13,944
-7,397
-
8,803
Net (increase) decrease in federal funds sold
-902
7,335
-
-7,145
Proceeds from sale of premises and equipment, other investments, other assets, msrs, and other real estate owned
-
-
-
1,132
Proceeds from sale of premises and equipment, other assets, msrs, and other real estate owned
147
-
-
-
Capital calls on other investments
179
-1,686
-
342
Nonincome distributions from limited liability companies
-
-
-
450
Purchases of loans held for investment
17,310
-
-
-
Net decrease in loans held for investment
-
168,139
-
-66,641
Net change in loans held for investment, excluding purchased loans
-29,063
-
-
-
Proceeds from surrender of bank owned life insurance policies
0
-212
-
0
Net change in restricted equity and other investments
-2,199
-341
-
86
Purchase of premises and equipment
221
-395
-
700
Other investment activities
-2,372
-224
-
-
Cash provided by investing activities
-3,209
33,853
64,024
55,023
Net (decrease) increase in demand, savings, and other interest-bearing deposits
-2,630
-18,469
-21,133
-25,939
Net increase (decrease) in non-brokered time deposits
-6,717
31,910
-18,768
-33,226
Fhlb advances
-
-
0
0
Fhlb repayments
-
-
0
0
Frb repayments
-
-
0
0
Net decrease in brokered time deposits
-21,394
-31,530
-
-
Subordinated note repayments
0
-
0
10,000
Proceeds from private placements, net of issuance costs
-
-
0
0
Common stock dividends paid
53,031
140
22,595
-
Repurchases of common stock
-
-
-
2,767
Repurchases of common stock and warrants to purchase common stock
-
-
9,506
-
Exercises of warrants to purchase common stock
-
-
-
313
Warrants exercised
337
0
9,758
-
Cash used in financing activities
-83,435
-18,229
-69,235
-71,619
Net decrease in cash and due from banks
-84,917
30,659
-5,083
-10,167
Cash and due from banks at beginning of period
146,608
115,949
121,032
175,992
Cash and due from banks at end of period
61,691
146,608
115,949
121,032
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

Time Plot

Show the time plot by selecting a row from the table.

Cash Flow

Provision for (recoveryof) credit losses -...$3,500K (600.00%↑ Y/Y)Decrease in accruedinterest receivable-$994K (-20.34%↓ Y/Y)Provision for creditlosses - unfunded...$550K Depreciation andamortization$363K (-48.36%↓ Y/Y)something is missing$255K Intangible amortization$191K (-60.04%↓ Y/Y)Realized loss on sale ofsecurities available for...-$123K Cash provided byoperating activities$1,727K (-75.57%↓ Y/Y)Canceled cashflow$4,249K Net decrease in cashand due from banks-$84,917K (-89.58%↓ Y/Y)Canceled cashflow$1,727K Warrants exercised$337K Net change in loansheld for investment,...-$29,063K Proceeds from calls,sales, paydowns, and...$13,944K (31.02%↑ Y/Y)Other investmentactivities-$2,372K Net change inrestricted equity and other...-$2,199K (-535.55%↓ Y/Y)Proceeds from sale ofpremises and equipment,...$147K Purchases of securitiesavailable for sale-$1K (-100.00%↓ Y/Y)Decrease in otherliabilities-$1,376K (90.54%↑ Y/Y)Net (loss) income-$1,295K (-250.23%↓ Y/Y)Decrease in other assets$1,031K (109.54%↑ Y/Y)Amortization of subordinateddebt issuance costs-$189K (-200.53%↓ Y/Y)Deferred income tax(benefit) expense-$171K (-112.14%↓ Y/Y)Accretion of fair valueadjustments on acquired...$160K (-81.07%↓ Y/Y)Investment amortizationexpense, net$14K (109.66%↑ Y/Y)(gain) loss on disposalof premises and...$13K (105.20%↑ Y/Y)Cash used infinancing activities-$83,435K (52.23%↑ Y/Y)Cash provided byinvesting activities-$3,209K (-102.61%↓ Y/Y)Canceled cashflow$337K Canceled cashflow$47,726K Common stock dividendspaid$53,031K Net decrease inbrokered time deposits-$21,394K Net increase(decrease) in non-brokered...-$6,717K (96.17%↑ Y/Y)Net (decrease)increase in demand,...-$2,630K (-142.52%↓ Y/Y)something is missing-$32,323K Purchases of loans held forinvestment$17,310K Net (increase)decrease in federal funds...-$902K (-529.52%↓ Y/Y)Purchase of premises andequipment$221K (45.39%↑ Y/Y)Capital calls on otherinvestments$179K (-88.41%↓ Y/Y)