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816-358-5000
4200 Little Blue Parkway
Independence, MO 64057

Blue Ridge Bank and Trust Co. is headquartered in Independence and is the 52nd largest bank in the state of Missouri. It is also the 1,439th largest bank in the nation. It was established in 1958 and as of March of 2014, it had grown to 145 employees at 9 locations. Blue Ridge Bank and Trust Co. has a B+ health rating.

Reviews (2)

Not A Good Bank

Consumer be aware. They change branch managers a lot which involves bad customer service if you have any financial emergency. Please look at other banking option. Specially from the 291 location

Very Satisfied Customer

I am 62 and have banked With Blue Ridge Bank and Trust starting when I was in my 20s and on-and-off over the years (I changed towns for awhile).  Currently, I have banked with them for five years and have had nothing but excellent service. I have had issues with two outside companies concerning my checking account.  Blue Ridge employees have understood the situations immediately and have kept on top of them until resolved.  Each employee has been intelligent, professional and courteous, consistently, over many years.  I have never seen any slouchy, bored or inattentive-appearing employees at the bank. 

Just this morning I was in the main branch concerning a new, dishonest, well-advertised Internet scam company to whom I'd given permission to electronically withdraw from my account.   I closed the Internet account this morning, but don't trust the company not to further draw from my account.  Sara Wilke, Assistant Branch Manager, was very attentive and interested in hearing about this company and the situation.  There is a sure solution available should the need arise, and I feel confident that the Internet company will not be able to charge me any additional fees. 

Many of my friends and family have maintained business with Blue Ridge Bank permantly, for years and years.  I do strongly recommend Blue Ridge Bank and Trust.   



Health

Data for Q1 2014

Institution Health

B+

Texas Ratio

GRADE:
B

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Blue Ridge Bank and Trust Co. had $8.14 million in non-current loans and owned real-estate with $47.4 million in equity and loan loss allowances on hand to cover it. This gives Blue Ridge Bank and Trust Co. a Texas Ratio of 17.17% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for Blue Ridge Bank and Trust Co. decreased dramatically from 35.91% as of March 31, 2013 to 17.17% as of March 31, 2014, resulting in a positive change of 52.20%.This indicates that the balance sheet and financial strength for Blue Ridge Bank and Trust Co. has improved dramatically in recent periods.

Deposit Growth

GRADE:
B

In the past year, Blue Ridge Bank and Trust Co. has increased its total deposits by $391,000, resulting in 0.09% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Blue Ridge Bank and Trust Co. has shown is above average.

Capitalization

GRADE:
B+

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Blue Ridge Bank and Trust Co. has $469.57 million in assets with $47.4 million in equity, resulting in a capitalization level of 10.10%, which is above average.

Institution Statistics

Overall
FDIC Certificate #17933
Year Established1958
Employees145
Primary RegulatorFDIC
Assets and Liabilities
Assets$469.57 million
Loans$298.62 million
Deposits$418.51 million
Equity Capital$41.88 million
Loan Loss Allowance$5.52 million
Unbacked Noncurrent Loans$5.98 million
Real Estate Owned$2.16 million
Historic Data - March 2013
Assets$469.44 million
Equity Capital$41.73 million
Loan Loss Allowance$6.99 million
Unbacked Noncurrent Loans$5.98 million
Real Estate Owned$3.98 million
Profit Margin - Quarterly
Return on Assets0.69%
Return on Equity7.81%
Interest Income$3.94 million
Rates

Always verify rates and promotions with the bank or credit union. We are not Blue Ridge Bank and Trust Co., we are a rate comparison website and can not provide official rates or promotions.

Blue Ridge Bank and Trust Co. Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.10%$100-Savings Account
0.10%--My First Million Savings
0.10%--Wealth 101 Statement Savings

Blue Ridge Bank and Trust Co. Money Market Rates

DetailsAPYMINMAXPRODUCT
0.34%$85k-Maximum Yield Money Market
0.34%$85k-Business Maximum Yield Money Market
0.30%$50k-Regular Money Market
0.26%$50k-Business Money Market

Blue Ridge Bank and Trust Co. Checking Account Rates

DetailsAPYMINMAXPRODUCT
1.06%-$25kMaximum Yield "MY" Checking - Qualifying
0.10%--Maximum Yield "MY" Checking - Non Qualifying
0.10%$1k-Elite Plus Checking
0.08%$15k-Ultimate Interest Checking

Blue Ridge Bank and Trust Co. CD Rates

DetailsAPYMINMAXPRODUCT
1.26%$500-36 Month CD
1.26%$250-36 Month Youth CD
1.20%$500-60 Month CD
1.20%$250-60 Month Youth CD
1.08%$500-48 Month CD
1.08%$250-48 Month Youth CD
0.58%$500-24 Month CD
0.58%$500-30 Month CD
0.58%$250-24 Month Youth CD
0.58%$250-30 Month Youth CD
0.42%$500-18 Month CD
0.42%$250-18 Month Youth CD
0.41%$500-12 Month CD
0.41%$250-12 Month Youth CD
0.20%$500-6 Month CD
0.20%$250-6 Month Youth CD
0.10%$500-31 Day CD
0.10%$500-60 Day CD
0.10%$500-91 Day CD
0.10%$250-31 Day Youth CD
0.10%$250-60 Day Youth CD
0.10%$250-91 Day Youth CD

Blue Ridge Bank and Trust Co. IRA Rates

DetailsAPYMINMAXPRODUCT
1.26%$500-36 Month IRA CD
1.20%$500-60 Month IRA CD
1.08%$500-48 Month IRA CD
0.58%$500-24 Month IRA CD
0.58%$500-30 Month IRA CD
0.42%$500-18 Month IRA CD
0.41%$500-12 Month IRA CD
0.20%$500-6 Month IRA CD
0.10%$500-91 Day IRA CD
Locations

Blue Ridge Bank and Trust Co. has 11 locations. Click to view all Blue Ridge Bank and Trust Co. locations.