Blue Ridge Bankshares reports Q4 net income $4.2M ($0.04 EPS); FY net income $10.7M; OCC consent order terminated

BLUE RIDGE BANKSHARES, INC.

2025-FY EPS reported $0.11

Q4 2025 net income $4.2M ($0.04 diluted EPS) vs Q4 2024 loss of $2.0M (-$0.03); FY net income $10.7M ($0.11) vs FY loss $15.4M.
OCC Consent Order terminated Nov 13, 2025; special cash dividend of $0.25/share paid Nov 21, 2025.
Net interest margin 3.04% for Q4 2025; cost of deposits 2.40%, down 46 bps YoY.
Loans held for investment $1.87B, down $47M QoQ; nonperforming loans improved to 0.98% of assets from 1.14%.
Headcount reduced >30% from 2024; noninterest expense down $31.9M YoY to $81.9M.

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