---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-25-246983"
form_type: "8-K"
ticker: "BRBS"
cik: "0000842717"
company_name: "BLUE RIDGE BANKSHARES, INC."
filed_at: "2025-10-22T23:59:59+00:00"
generated_at: "2026-05-17T02:54:38.314858+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Blue Ridge Q3 net income $5.6M ($0.06 EPS), highest since 2022; NIM expands to 3.60%

## Summary
- Net income of $5.6M ($0.06 diluted EPS) vs $1.3M in Q2 2025 and $0.9M in Q3 2024; year-to-date net income $6.5M.
- Net interest margin 3.60% (3.15% Q2; 2.74% Q3 2024) aided by $3.0M loan fee income from out-of-market loan payoff.
- Completed $10M partial redemption of 8.65% subordinated notes; share repurchase of $2.8M (~660K shares at $4.16 avg).
- Nonperforming loans rose to $28.6M (1.14% of assets) from $24.0M; $4.8M multifamily loan placed on nonaccrual.
- Loan pipeline >$200M; headcount reduced to 311; management expects Q4 strength and lower consulting/legal expenses.

## SEC filing metadata
- accession: 0001193125-25-246983
- form_type: 8-K
- ticker: BRBS
- cik: 0000842717
- company_name: BLUE RIDGE BANKSHARES, INC.
- filed_at: 2025-10-22T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/842717/000119312525246983/0001193125-25-246983-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/842717/000119312525246983/brbs-20251022.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-25-246983
- JSON: https://secwatch.observer/filing/0001193125-25-246983.json
- Plain text: https://secwatch.observer/filing/0001193125-25-246983.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.