Average User Rating:
3 star rating based on 2 reviews.

Blue Ridge Bank & Trust

4200 Little Blue Parkway
Independence, MO 64057
(816)358-5000
www.blueridgebank.net

FDIC

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Blue Ridge Bank & Trust is headquartered in Independence and is the 50^th largest bank in the state of Missouri. It is also the 1,394^th largest bank in the nation. It was established in 1958 and as of December of 2012, it had grown to 157 employees at 11 locations. Blue Ridge Bank & Trust has a 3-star health rating.

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See Rates for: Checking | Savings | Money Market | CD | IRA

Blue Ridge Bank & Trust Checking Account Rates

Apy	Min	Max	Product
1.06%	-	$25k	Maximum Yield "MY" Checking
0.10%	$1k	-	Elite Plus Checking
0.08%	$15k	-	Ultimate Interest Checking

Blue Ridge Bank & Trust Savings Account Rates

Apy	Min	Max	Product
0.10%	$50	-	Savings Account
0.10%	-	-	My First Million Savings
0.10%	$50	-	Wealth 101 Statement Savings

Blue Ridge Bank & Trust Money Market Rates

Apy	Min	Max	Product
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 & Trust CD Rates

Apy	Min	Max	Product
0.96%	$500	-	60 Month CD
0.96%	$250	-	60 Month Youth CD
0.90%	$500	-	48 Month CD
0.90%	$250	-	48 Month Youth CD
0.76%	$500	-	36 Month CD
0.76%	$250	-	36 Month Youth CD
0.42%	$500	-	24 Month CD
0.42%	$500	-	30 Month CD
0.42%	$250	-	24 Month Youth CD
0.42%	$250	-	30 Month Youth CD
0.34%	$500	-	18 Month CD
0.34%	$250	-	18 Month Youth CD
0.33%	$500	-	12 Month CD
0.33%	$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 & Trust IRA Rates

Apy	Min	Max	Product
0.96%	$500	-	60 Month IRA CD
0.96%	$500	-	60 Month Roth IRA CD
0.90%	$500	-	48 Month IRA CD
0.90%	$500	-	48 Month Roth IRA CD
0.76%	$500	-	36 Month IRA CD
0.76%	$500	-	36 Month Roth IRA CD
0.42%	$500	-	24 Month IRA CD
0.42%	$500	-	30 Month IRA CD
0.42%	$500	-	24 Month Roth IRA CD
0.42%	$500	-	30 Month Roth IRA CD
0.34%	$500	-	18 Month IRA CD
0.34%	$500	-	18 Month Roth IRA CD
0.33%	$500	-	12 Month IRA CD
0.33%	$500	-	12 Month Roth IRA CD
0.20%	$500	-	6 Month IRA CD
0.20%	$500	-	6 Month Roth IRA CD
0.10%	$500	-	91 Day IRA CD
0.10%	$500	-	91 Day Roth IRA CD

Rates updated: 5/22/2013

Data for Q4 2012

Institution Statistics

Blue Ridge Bank and Trust Co.
FDIC Certificate #	17933
BankRate Report	View
Year Established	1958
Employees	157
Primary Regulator	FDIC
Assets and Liabilities
Assets	$477.43 million
Loans	$279.62 million
Deposits	$427.12 million
Equity Capital	$42.04 million
Loan Loss Allowance	$6.58 million
Unbacked Noncurrent Loans	$12.24 million
Real Estate Owned	$3.43 million
Historic Data - December 2011
Assets	$469.93 million
Equity Capital	$40.11 million
Loan Loss Allowance	$9.01 million
Unbacked Noncurrent Loans	$12.01 million
Real Estate Owned	$5.75 million
Profit Margin - Quarterly
Net Interest Margin	3.54%
Return on Assets	0.5%
Return on Equity	5.72%
Interest Income	$16.76 million

Institution Health

Overall Score:

3 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 Blue Ridge Bank & Trust had $15.67 million in non-current loans and owned real-estate with $48.62 million in equity and loan loss allowances on hand to cover it. This gives Blue Ridge Bank & Trust a Texas Ratio of 32.23% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Blue Ridge Bank & Trust held steady from 36.15% as of December 31, 2011 to 32.23% as of December 31, 2012, resulting in a positive change of 10.85%.This indicates that the balance sheet and financial strength for Blue Ridge Bank & Trust has held steady in recent periods.
Deposit Growth
In the past year, Blue Ridge Bank & Trust has increased its total deposits by $2.62 million, resulting in 0.62% 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 & Trust has shown is average.
Capitalization
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 & Trust has $477.43 million in assets with $48.62 million in equity, resulting in a capitalization level of 10.18%, which is above average.

Not A Good Bank
1 stars

- maturbo951 - Friday, April 12, 2013 - 5:49 PM

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
5 stars

- Gary - Friday, September 9, 2011 - 1:19 AM

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.