For the year ending 2025-12-31.
| Income Statement | 2025-12-31 | |||
|---|---|---|---|---|
| Interest and fees on loans | 121,413 | |||
| Interest on securities, deposit accounts, and federal funds sold | 16,360 | |||
| Total interest income | 137,773 | |||
| Interest on deposits | 51,092 | |||
| Interest on subordinated notes | 2,014 | |||
| Interest on fhlb and frb borrowings | 5,806 | |||
| Total interest expense | 58,912 | |||
| Net interest income | 78,861 | |||
| Recovery of credit losses - loans | -3,900 | |||
| Recovery of credit losses - unfunded commitments | -100 | |||
| Total recovery of credit losses | -4,000 | |||
| Net interest income after recovery of credit losses | 82,861 | |||
| Service charges on deposit accounts | 2,573 | |||
| Bank and purchase card interchange income, net | 2,259 | |||
| Wealth and trust management fees | 1,882 | |||
| Swap transaction fees | 540 | |||
| Increase in cash surrender value of bank owned life insurance | 33 | |||
| Residential mortgage banking income | 860 | |||
| Mortgage servicing rights ('msrs') | -385 | |||
| Income (loss) on sale of msrs | 1,427 | |||
| Loss on sale of securities available for sale | 0 | |||
| Fair value adjustments of other equity investments | -112 | |||
| Other | 3,759 | |||
| Total noninterest income | 12,836 | |||
| Salaries and employee benefits | 46,174 | |||
| Occupancy and equipment | 4,919 | |||
| Technology and communications | 9,740 | |||
| Legal and regulatory filings | 2,398 | |||
| Advertising and marketing | 1,203 | |||
| Audit fees | 1,413 | |||
| Fdic insurance | 2,784 | |||
| Intangible amortization | 914 | |||
| Other contractual services | 1,895 | |||
| Other taxes and assessments | 3,678 | |||
| Regulatory remediation | 0 | |||
| Other | 6,804 | |||
| Total noninterest expense | 81,922 | |||
| Income (loss) before income tax expense | 13,775 | |||
| Income tax expense (benefit) | 3,066 | |||
| Net income (loss) | 10,709 | |||
| Basic EPS | 0.12 | |||
| Diluted EPS | 0.11 | |||
| Basic Average Shares | 87,719,189 | |||
| Diluted Average Shares | 97,257,876 | |||
BLUE RIDGE BANKSHARES, INC. (BRBS)
BLUE RIDGE BANKSHARES, INC. (BRBS)