Blue Ridge Bank and Trust Co.

What Blue Ridge Bank and Trust Co. does

Blue Ridge Bank and Trust Co. is a privately held community bank founded on October 16, 1958 by brothers William, Robert, and Walter Reich, and currently headquartered at 4200 Little Blue Parkway in Independence, Missouri. It operates eight full-service branches across Eastern Jackson County (Independence, Blue Springs, Lee's Summit, Kansas City, and Raytown) and reports approximately $850 million in assets. The bank serves individual consumers and small-to-medium local businesses through personal checking and savings accounts (including a premium MY Checking product yielding up to 4.05% APY), CDs and IRAs, auto/mortgage/personal lending, commercial lending (including SBA 504 and FASTtrack loans), a full treasury-services suite (ACH, Positive Pay, lockbox, wire, and sweep products including a Goldman Sachs Sweep), merchant card processing via Global Payments, business and consumer credit cards via Elan Financial Services, and an in-house Trust Department providing wealth management and retirement planning.

The bank's technology stack is largely outsourced rather than proprietary: digital banking (online and mobile) is delivered through the Banno platform accessible at my.blueridgebank.com with iOS and Android apps featuring two-factor authentication, mobile deposit, bill pay, and Apple Pay/Samsung Pay/Google Pay wallet integration; the trust platform runs on FIS (login2.fisglobal.com); and loan payments are processed via ProfitStars SmartPay. Telephone banking (816-358-BANK) and MoneyPass network access extend service coverage to 40,000+ surcharge-free ATMs nationwide.

Revenue is generated through net interest income on the loan and securities portfolio (real estate, commercial, SBA, auto, and personal lending net of deposit interest expense) supplemented by fee-based income from deposit account charges, overdraft/NSF fees ($30 per item), wire and ATM fees, interchange from debit and credit cards, treasury-services fees (remote deposit capture, ACH origination, sweep management, lockbox), wealth management and trust advisory fees, and insurance commissions. Distribution is omnichannel: physical branches for in-person and drive-thru service, plus digital channels (online, mobile, telephone, text) supported by a Women-Owned Business Group initiative and SBA lending programs. As of June 2, 2026, Blue Ridge Bancshares and the bank entered a definitive agreement to be acquired by First National of Nebraska (FNBO), pending year-end regulatory close.

Name

Blue Ridge Bank and Trust Co.

Legal name

Blue Ridge Bank and Trust Co.

Website

https://blueridgebank.com

Company type

Private

Founded year

1958

Operating status

Operating

Headcount range

101–250 employees

Short description

Blue Ridge Bank and Trust Co. is a privately held community bank founded in 1958, operating eight branches in Jackson County, Missouri with approximately $850 million in assets. It serves local consumers and small-to-medium businesses via deposit products, commercial and consumer lending, treasury services, merchant processing, and an in-house trust department, with a pending acquisition by FNBO announced June 2026.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (522110)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industries

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC), Account & Balance Services (Operating accounts, statements, eBAM) (FSABAIAD), Branch & In-Person Banking (Teller/ATM Networks) (FSABAAAE), Credit Cards & Revolving Credit (FSABAAAC)

Keywords

• Retail banking services
• Commercial lending
• Community banking
• Wealth management
• Treasury services

Headquarters

HQ city

Independence

HQ country

United States

HQ region

North America

Offices8 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Revenue model

1. Net Interest Income: Interest earned on loan portfolio including real estate loans, commercial loans, SBA loans, auto loans, and personal lending. Interest paid on deposit accounts including checking, savings, money market, and CDs.
2. Fee-Based Income: Non-interest income from deposit account fees, overdraft fees, wire transfer fees, ATM fees, safe deposit box rentals, and other service charges.
3. Card Income: Interchange fees from debit and credit card transactions. Merchant processing services through Global Payments partnership.
4. Wealth Management and Trust Services: Investment advisory, retirement planning, and trust services fees for personal and business customers.
5. Treasury Services: Fees for business cash management services including ACH origination, wire transfers, lockbox, remote deposit, and sweep account management.
6. Insurance Services: Insurance products and services offered through the bank for personal and business customers.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Blue Ridge Bank and Trust Co. operates a community banking franchise offering personal deposit accounts (checking, savings, CDs), consumer lending (auto, mortgage, personal), credit/debit cards, wealth management and trust services, and insurance. For business customers it provides business checking accounts, commercial lending including SBA 504 loans, treasury management (ACH, Positive Pay, wire transfers, lockbox, sweep products), and merchant card processing. Services are delivered through 8 branches in Jackson County, Missouri, and a digital banking platform powered by Banno with mobile and online banking.

Product overview

Blue Ridge Bank and Trust Co. offers a comprehensive community banking platform consisting of personal banking products (MY Checking/Savings with tiered interest rates up to 4.05% APY, Free Checking, Savings, and Personal Lending), business banking products (Small Business Checking, Regular Business Checking, Business Green Checking, Not-for-Profit Checking, Business Money Market, Commercial Lending, and Treasury Services including ACH, Positive Pay, Lockbox, Wire Transfers, and Sweep Products), and digital banking channels (Mobile Banking App, Online Banking, Bill Pay, Mobile Deposit, Remote Deposit, and Digital Wallets supporting Apple Pay, Samsung Pay, and Google Pay). The bank also provides merchant processing through Global Payments, credit cards via Elan Financial Services, wealth management and trust services, VISA gift cards, safe deposit boxes, and a Women-Owned Business Group for networking. All products and services are delivered through 8 physical branch locations in the Kansas City area, with comprehensive digital access via the ALL NEW mobile app and online banking platforms.

Differentiator

Problem solved

Functional benefit

Products and services

• MY Checking Interest-bearing personal checking account offering up to 4.05% APY on balances up to $25,000 when monthly requirements (12+ debit card purchases, one ACH direct deposit/payment, and electronic statement enrollment) are met. $100 to open, no minimum balance, no monthly service fee, and nationwide ATM fee refunds up to $25 per cycle.
• MY Savings Savings account that earns additional premium interest on balances up to $25,000 when linked to a MY Checking account and monthly requirements are met. $25 to open with six transfers per statement cycle allowed.
• Free Checking No-monthly-fee personal checking account designed for everyday spending with no minimum balance requirements and no frills.
• Personal Savings Accounts Personal savings options including regular savings, My First Million Savings, and Student Savings with varying minimum deposits and interest rates. Certificates of Deposit (CDs) and IRAs are also available with terms from 31 days to 60 months.
• Personal Lending

Quantifiable outcome

• 5th largest deposit holder in Kansas City metro when combined with FNBO's Country Club Bank acquisition

Named customers1 record

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature4 records

Partnerships

Four partnerships are on record, tiered core and minor.

• Global PaymentscoreTechnology or IntegrationPartnership for merchant bank card processing services. Global Payments provides complete merchant processing solutions including check authorization, e-commerce solutions, purchasing cards, and fraud prevention tools.
• SBA (Small Business Administration)coreStrategic or Co-development PartnerSBA 504 loan program partner providing fixed asset, long-term financing at attractive interest rates for businesses. Recognized as Gold Elite Lender by RMI Business Finance for SBA 504 lending.
• BannocoreTechnology or IntegrationDigital banking platform provider powering online and mobile banking services at my.blueridgebank.com.
• RMI Business FinanceminorStrategic or Co-development PartnerMissouri-based RMI Business Finance recognizes Elite Lenders for SBA 504 loan program partnerships. Blue Ridge Bank recognized as Gold Elite Lender in 2020.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Country Club Bank: Kansas City-area community bank of comparable size and profile; also subject to a 2025 FNBO acquisition, making it the closest direct peer and a fellow FNBO consolidation target alongside Blue Ridge.
• Commerce Bank: Kansas City-headquartered commercial and consumer bank competing directly with Blue Ridge for deposits, commercial lending, and treasury services in the same metro and broader Missouri/Kansas footprint.
• Bank of Blue Valley: Community bank headquartered in the Kansas City metro with similar consumer/SMB banking and lending focus; directly competes with Blue Ridge for household and small-business relationships in the overlapping Johnson/Jackson County geography.
• Hawthorn Bank: Missouri community bank providing consumer and business banking, SBA lending, and wealth services across multiple MO counties — comparable to Blue Ridge's product breadth, SBA focus, and community-bank positioning.
• Hilltop National Bank: Community bank serving Wyoming and the broader Plains region with comparable consumer/SMB product set; relevant peer for benchmarking community-bank operating model and scale.

Broad incumbents

• UMB Bank: Kansas City-based diversified financial services holding company offering commercial banking, treasury, wealth, and asset management — a larger incumbent overlapping with most of Blue Ridge's product set in the same geography.
• First National of Nebraska (FNBO): Nebraska-based regional bank holding company currently acquiring both Blue Ridge and Country Club Bank to expand into Kansas City — provides direct comparison on scale, capability, and post-acquisition strategic platform.
• Bank of America: National bank with major Kansas City retail and commercial presence, competing with Blue Ridge for consumer deposits, mortgages, SBA lending, and treasury services at significantly larger scale.
• Wells Fargo: National bank with deep Kansas City commercial and consumer footprint, overlapping with Blue Ridge across SMB lending, treasury, and retail deposits.

Emerging players

• Lead Bank: Missouri-headquartered digital-forward community bank targeting fintech and SMB banking; competes with Blue Ridge for SMB treasury and deposit relationships using a more technology-led model.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/BlueRidgeBankandTrustCo
• LinkedInlinkedin.com/company/blue-ridge-bank-and-trust-co-

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Blue Ridge Bank and Trust Co.