Blue Ridge Bankshares, Inc. (BRBS) Balance Sheet
BRBS balance sheet, 2025
December 31, 2025 · U.S. dollars$2.43B assets = $2.11B liabilities + $323.7M equity
Both columns are drawn to the same scale: what BRBS owns equals what it owes plus shareholders’ equity. Hover a block for its value.
BRBS financial health
Descriptive bands, not a rating. Fiscal 2025.
BRBS balance sheet trends, 2016–2025
| Metric | Trend | Then | Latest | Change |
|---|---|---|---|---|
| Total assets | $418.1M2016 | $2.43B2025 | +21.6%/yr | |
| Total liabilities | $384.5M2016 | $2.11B2025 | +20.8%/yr | |
| Shareholders’ equity | $33.6M2016 | $323.7M2025 | +28.6%/yr | |
| Cash & short-term investments | $15.5M2016 | $448.9M2025 | +45.3%/yr | |
| Total debt | $42.3M2016 | $179.2M2025 | +17.4%/yr | |
| Net cash (debt) | −$26.8M2016 | $269.7M2025 | +$296.5M | |
| Working capital | −$125.3M2016 | −$1.68B2024 | −$1.6B | |
| Book value per share | $13.102022 | $3.052025 | −38.5%/yr | |
| Debt / equity | 1.262016 | 0.552025 | −0.71 | |
| Shares outstanding | 19.0M2022 | 106.1M2025 | +77.4%/yr |
Change is the average annual growth (CAGR) or the difference between the first and latest year.
BRBS assets
BRBS liabilities and equity
BRBS debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease obligations.
BRBS balance sheet
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||
| Cash & short-term investments | $448.9M | $485.6M | $431.6M | $431.6M | $504.1M | $227.4M | $168.6M | $53.1M | $9.6M | $15.5M |
| Cash & equivalents | $115.9M | $173.5M | $110.5M | $77.3M | $130.5M | $117.9M | $60.0M | $15.0M | $9.6M | $15.5M |
| Short-term investments | $332.9M | $312.0M | $321.1M | $354.3M | $373.5M | $109.5M | $108.6M | $38.0M | $0 | $0 |
| Receivables | $10.8M | $12.5M | $15.0M | $11.6M | $9.6M | $13.9M | $1.1M | $0 | $0 | $0 |
| Inventory | $0 | $0 | −$91.5M | −$91.5M | −$184.2M | −$133.7M | $0 | $134,000 | $481,498 | $1.3M |
| Other current assets | $0 | $0 | $91.5M | $91.5M | $184.2M | $133.7M | $0 | $0 | $567,575 | $0 |
| Total current assets | $459.7M | $498.1M | $446.5M | $443.2M | $513.7M | $241.4M | $168.6M | $53.1M | $10.7M | $16.5M |
| Property, plant & equipment (net) | $28.2M | $29.4M | $31.1M | $30.1M | $32.9M | $20.2M | $13.7M | $3.3M | $2.3M | $2.5M |
| Goodwill & intangible assets | $2.6M | $4.2M | $59.3M | $62.4M | $50.9M | $29.3M | $24.9M | $4.0M | $2.8M | $3.2M |
| Long-term investments | $358.6M | $336.3M | $363.5M | $402.8M | $385.1M | $110.1M | $120.8M | $53.6M | $45.8M | $39.7M |
| Other non-current assets | $1.58B | $1.87B | $2.22B | $2.19B | $1.68B | $1.10B | $633.3M | $425.6M | $362.5M | $356.1M |
| Total assets | $2.43B | $2.74B | $3.12B | $3.13B | $2.67B | $1.50B | $961.3M | $539.6M | $424.1M | $418.1M |
| Liabilities | ||||||||||
| Accounts payable | — | — | — | $2.50B | $2.30B | $945.1M | $722.0M | $415.0M | $339.3M | $340.9M |
| Short-term debt | — | $1.7M | $1.9M | $2.1M | $1.6M | $116.3M | $126.2M | $488.1M | $375.3M | $0 |
| Total current liabilities | — | $2.18B | $2.57B | $1.96B | $2.30B | $945.1M | $386.0M | $488.1M | $150.0M | $141.8M |
| Long-term debt | $164.7M | $189.8M | $249.9M | $39.9M | $40.0M | $24.5M | $9.8M | $9.8M | $9.7M | $0 |
| Lease obligations | $7.2M | $8.6M | $9.6M | $7.9M | $7.7M | $5.5M | — | $0 | $0 | $0 |
| Other long-term liabilities | $1.94B | $40.2M | $115.7M | $2.84B | $50.2M | $420.4M | $124.8M | $490.2M | $227.9M | $242.7M |
| Total liabilities | $2.11B | $2.41B | $2.93B | $2.88B | $2.39B | $1.39B | $134.6M | $500.0M | $387.7M | $384.5M |
| Shareholders' equity | ||||||||||
| Common stock & paid-in capital | $331.9M | $322.8M | $197.6M | $196.0M | $194.3M | $66.8M | $66.5M | $16.5M | $16.3M | $16.3M |
| Retained earnings (deficit) | −$659,000 | $17.8M | $33.2M | $97.7M | $86.0M | $40.7M | $25.6M | $23.3M | $20.2M | $17.7M |
| Treasury stock | — | — | — | — | — | — | — | $0 | −$142,960 | $0 |
| Accumulated other comprehensive income | −$31.1M | −$42.5M | −$45.1M | −$45.1M | −$3.6M | $264,000 | $229,051 | −$618,000 | −$466,577 | −$441,119 |
| Minority interest | — | — | — | $0 | $228,000 | $225,000 | — | $0 | $0 | $0 |
| Total shareholders' equity | $323.7M | $327.8M | $186.0M | $248.8M | $276.9M | $108.0M | $826.7M | $39.6M | $36.2M | $33.6M |
| Key figures | ||||||||||
| Total debt | $179.2M | $198.4M | $259.5M | $359.5M | $57.7M | $145.0M | $136.0M | $497.9M | $45.8M | $42.3M |
| Net cash (debt) | $269.7M | $287.2M | $172.1M | $72.1M | $446.3M | $82.4M | $32.6M | −$444.8M | −$36.1M | −$26.8M |
| Working capital | — | −$1.68B | −$2.12B | −$1.52B | −$1.78B | −$703.7M | −$217.4M | −$435.1M | −$139.3M | −$125.3M |
| Tangible book value | $321.0M | $323.5M | $126.7M | $186.4M | $226.0M | $78.7M | $801.8M | $35.6M | $33.4M | $30.4M |
| Book value per share | $3.05 | $6.67 | $9.82 | $13.10 | — | — | — | — | — | — |
| Shares outstanding | 106.1M | 49.1M | 18.9M | 19.0M | — | — | — | — | — | — |
| Current ratio | — | 0.23 | 0.17 | 0.23 | 0.22 | 0.26 | 0.44 | 0.11 | 0.07 | 0.12 |
| Quick ratio | — | 0.23 | 0.17 | 0.23 | 0.22 | 0.26 | 0.44 | 0.11 | 0.06 | 0.11 |
| Debt / equity | 0.55 | 0.61 | 1.40 | 1.44 | 0.21 | 1.34 | 0.16 | 12.57 | 1.26 | 1.26 |
| Equity / assets | 13.3% | 12.0% | 6.0% | 7.9% | 10.4% | 7.2% | 86.0% | 7.3% | 8.5% | 8.0% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||
| Cash & short-term investments | $378.7M | $146.6M | $448.9M | $462.4M | $134.3M | $495.9M | $485.6M | $596.5M | $432.0M | $431.9M | −$121.2M | $552.5M |
| Cash & equivalents | $61.7M | $146.6M | $115.9M | $121.0M | $131.2M | $170.5M | $173.5M | $281.7M | $124.6M | $117.5M | $110.5M | $238.6M |
| Short-term investments | $317.0M | $14.7M | $332.9M | $341.4M | $3.1M | $325.4M | $312.0M | $314.8M | $307.4M | $314.4M | $321.1M | $313.9M |
| Receivables | $10.1M | $11.1M | $10.8M | $11.0M | $11.7M | $12.7M | $12.5M | $13.2M | $14.2M | $14.7M | $15.0M | $16.4M |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | −$609.7M | $116.4M | −$139.0M | $106.2M | −$257.5M |
| Other current assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $609.7M | $0 | $139.0M | $140.6M | $257.5M |
| Total current assets | $388.8M | $157.7M | $459.7M | $473.4M | $146.0M | $508.6M | $498.1M | $609.7M | $446.2M | $446.6M | $140.6M | $568.9M |
| Property, plant & equipment (net) | $27.5M | $28.0M | $28.2M | $28.0M | $28.0M | $28.5M | $29.4M | $29.4M | $30.0M | $30.0M | $31.1M | $31.6M |
| Goodwill & intangible assets | $2.2M | −$1.9M | $2.6M | $2.9M | $3.2M | $3.5M | $4.2M | $23.7M | $2.58B | $32.9M | $32.5M | $61.5M |
| Long-term investments | $340.0M | $357.8M | $358.6M | $0 | $353.5M | $350.5M | $336.3M | $340.7M | $332.9M | $353.8M | $363.5M | $364.4M |
| Other non-current assets | $1.57B | $1.87B | $1.58B | $1.99B | $2.02B | $1.79B | $1.87B | $1.94B | $0 | $2.21B | $2.56B | $2.24B |
| Total assets | $2.33B | $2.41B | $2.43B | $2.50B | $2.56B | $2.69B | $2.74B | $2.94B | $2.93B | $3.08B | $3.13B | $3.26B |
| Liabilities | ||||||||||||
| Short-term debt | — | — | — | — | — | — | $1.7M | $392,000 | $53.8M | $131.4M | $1.9M | $513,000 |
| Total current liabilities | — | — | — | — | $2.01B | $2.13B | $2.18B | $2.35B | $2.33B | $2.47B | $1.56B | $1.92B |
| Long-term debt | $164.7M | $164.7M | $164.7M | $0 | $174.9M | $189.8M | $189.8M | $229.8M | $242.7M | $319.8M | $249.9M | $189.9M |
| Lease obligations | $6.6M | $6.9M | $7.2M | — | $8.0M | $8.3M | $8.6M | $8.5M | $8.9M | $8.9M | $9.6M | $10.0M |
| Other long-term liabilities | $1.89B | $1.97B | $1.94B | — | $26.0M | $27.5M | $40.2M | $32.0M | $38.9M | $109.7M | $1.14B | $965.9M |
| Total liabilities | $2.05B | $2.14B | $2.11B | $2.14B | $2.21B | $2.35B | $2.41B | $2.61B | $2.61B | $2.90B | $2.94B | $3.08B |
| Shareholders' equity | ||||||||||||
| Common stock & paid-in capital | $332.5M | $332.2M | $331.9M | $333.4M | $334.6M | $329.9M | $322.8M | $300.8M | $301.0M | $198.0M | $197.6M | $197.4M |
| Retained earnings (deficit) | −$47.6M | −$47.4M | −$659,000 | $24.2M | $18.6M | $17.3M | $17.8M | $19.8M | $18.8M | $30.3M | $33.2M | $38.9M |
| Accumulated other comprehensive income | −$31.9M | −$31.3M | −$31.1M | −$31.8M | −$38.7M | −$38.7M | −$42.5M | −$34.5M | −$44.5M | −$47.6M | −$45.1M | −$53.8M |
| Total shareholders' equity | $276.5M | $277.0M | $323.7M | $355.5M | $344.3M | $338.3M | $327.8M | $336.3M | $325.6M | $180.9M | $186.0M | $182.8M |
| Key figures | ||||||||||||
| Total debt | $171.3M | $171.6M | $179.2M | $172.3M | $182.9M | $198.1M | $198.4M | $238.3M | $251.7M | $328.7M | $324.5M | $199.9M |
| Net cash (debt) | $207.4M | −$25.0M | $269.7M | $290.1M | −$48.6M | $297.8M | $287.2M | $358.1M | $180.4M | $103.2M | −$445.6M | $352.6M |
| Working capital | — | — | — | — | −$1.86B | −$1.62B | −$1.68B | −$1.74B | −$1.88B | −$2.02B | −$1.42B | −$1.35B |
| Tangible book value | $274.3M | $278.8M | $321.0M | $352.6M | $341.0M | $334.8M | $323.5M | $312.6M | −$2.25B | $148.1M | $153.5M | $121.4M |
| Book value per share | $3.12 | $2.78 | $3.05 | $3.81 | $4.00 | $3.93 | $4.16 | $9.14 | $13.30 | $9.43 | $9.77 | $9.62 |
| Shares outstanding | 88.5M | 99.8M | 106.1M | 93.4M | 86.0M | 86.0M | 78.9M | 36.8M | 24.5M | 19.2M | 19.0M | 19.0M |
| Current ratio | — | — | — | — | 0.07 | 0.24 | 0.23 | 0.26 | 0.19 | 0.18 | 0.09 | 0.30 |
| Quick ratio | — | — | — | — | 0.07 | 0.24 | 0.23 | 0.26 | 0.19 | 0.18 | −0.07 | 0.30 |
| Debt / equity | 0.62 | 0.62 | 0.55 | 0.48 | 0.53 | 0.59 | 0.61 | 0.71 | 0.77 | 1.82 | 1.74 | 1.09 |
| Equity / assets | 11.9% | 11.5% | 13.3% | 14.2% | 13.5% | 12.6% | 12.0% | 11.4% | 11.1% | 5.9% | 5.9% | 5.6% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported (latest annual report filed March 12, 2026); data from EODHD.
BRBS financial position
At the end of fiscal 2025 (December 31, 2025), Blue Ridge Bankshares had total assets of $2.4 billion (down 11.1% from a year earlier), total liabilities of $2.1 billion and shareholders' equity of $323.7 million. It held $448.9 million in cash and short-term investments against $179.2 million of debt, a net cash position of $269.7 million. In the latest quarter (ended June 30, 2026) total assets were $2.3 billion and equity $276.5 million.
Related: BRBS income statement, BRBS cash flow statement, BRBS key metrics. See the BRBS stock overview for the latest quote and news.
BRBS balance sheet FAQ
What are Blue Ridge Bankshares's total assets?
Blue Ridge Bankshares reported total assets of $2.4 billion at the end of fiscal 2025 (December 31, 2025), compared with $2.7 billion a year earlier.
How much debt does Blue Ridge Bankshares have?
Blue Ridge Bankshares had $179.2 million of total debt at the end of fiscal 2025, including short-term borrowings and lease obligations. Its debt-to-equity ratio was 0.55.
How much cash does Blue Ridge Bankshares have?
Blue Ridge Bankshares held $448.9 million in cash and short-term investments at the end of fiscal 2025; with $179.2 million of debt that is net cash of $269.7 million.
What is Blue Ridge Bankshares's book value?
Blue Ridge Bankshares's shareholders' equity (book value) was $323.7 million at the end of fiscal 2025, or $3.05 per share.
How much goodwill does Blue Ridge Bankshares have?
Blue Ridge Bankshares carried $2.6 million of goodwill and intangible assets, 0.1% of total assets, at the end of fiscal 2025.