Blue Ridge Bank and Trust Co. is headquartered in INDEPENDENCE and is the 44th largest bank in the state of Missouri. It is also the 1,251st largest bank in the nation. It was established in 1958 and as of March of 2023, it had grown to 129 employees at 8 locations. Blue Ridge Bank and Trust Co.'s CD rates are 5X the national average, and it has a B+ health rating.
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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.
Blue Ridge Bank makes the customer feel important
I love this bank. I wanted to open a second checking account at a bank to use for an online business I had started. I went to a national chain bank and found that there were 10 other people waiting to be helped before me. I didn't want to wait and left. That's when I looked across the street and saw Blue Ridge Bank and decided to try them and I am so glad I did. I didn't have to wait at all which has been my experience ever since. Blue Ridge bank has all of the benefits I was trying to find at the big bank but without all of the hassle and crowd. Whenever I go into the bank I never have to wait. And the people are so nice. I now use Blue Ridge bank for my main checking account. The online banking is very convenient, my checking account is free and it has no minimum. I set my niece up with her own bank account when she started working and of course I took her to this bank. The woman there sat with her to determine which account would be best for her and explained all kinds of things about the account that I didn't think to ask. She knew my niece was using this for her part time job and yet she spoke to my niece and I as if we were the most important clients that the bank had. I just love this bank and cannot say enough good things about it or it's people.
Data as of Q1 2023
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| FDIC Certificate # | 17933 |
| Year Established | 1958 |
| Employees | 129 |
| Primary Regulator | FDIC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.76% |
| Return on Equity - YTD | 9.68% |
| Annual Interest Income | $7.1MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2023vs Q1 2022 | $747.1MM$764.0MM |
| Loans | Q1 2023vs Q1 2022 | $517.8MM$415.8MM |
| Deposits | Q1 2023vs Q1 2022 | $659.0MM$660.5MM |
| Equity Capital | Q1 2023vs Q1 2022 | $56.8MM$58.9MM |
| Loan Loss Allowance | Q1 2023vs Q1 2022 | $7.6MM$7.5MM |
| Unbacked Noncurrent Loans | Q1 2023vs Q1 2022 | $2.3MM$6.4MM |
| Real Estate Owned | Q1 2023vs Q1 2022 | $0$0 |