VCB
VCB is a Richmond, Virginia-based multi-disciplinary financial services firm offering wealth management, banking, investments, taxation, trust, and estate planning services to individuals, small businesses, and high-net-worth clients across Virginia.
- Company typePrivate
- Founded1903
- HeadquartersRichmond, United States
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What VCB does
VCB is a multi-disciplinary financial services firm headquartered in Richmond, Virginia, that offers wealth management, accounting, banking, investments, taxation, trust, estate planning, and broader financial services. Its operating footprint is anchored in the Virginia community it has served since 1903, distributed through a hybrid branch and digital banking model that includes dedicated personal, commercial, and wealth/trust sub-brands (BRB Wealth, BRB Trust, BRB Life). The firm serves individual consumers, small and medium businesses, and high-net-worth individuals across Virginia, with no disclosed operations outside the state.
The core platform combines traditional community-bank products (Kasasa Cash and Kasasa Saver high-yield checking/savings, Golden Advantage for 55+ customers, student banking, CDs, HSAs, IRAs, money market accounts, Edge/Summit personal credit cards, and personal loans including auto, home equity, and term loans) with a full commercial suite (EZ Business, Small Business, Business with Interest, Commercial Analysis, Charitable, IOLTAs, Zero Balance checking; business savings, CDs, retirement accounts; treasury management including Cash Management, Fraud Prevention Tools, Payables, Receivables; Multi Card and Small Business Credit Cards; business loans and letters of credit). Wealth management and trust services sit under the BRB Wealth, BRB Trust, and BRB Life sub-brands, supported by an LPL Financial advisory relationship.
The business model is a mix of traditional bank revenue mechanics — net interest income from consumer and commercial lending, deposit account fees and service charges, credit card interchange and interest, and treasury management service fees — alongside recurring fee streams from HSA administration and wealth/trust services. Customer acquisition is community-led (branches, community outreach, local SMB case studies) augmented by digital channels including a dedicated digital account-opening portal and iOS/Android mobile banking apps with an integrated Personal Finance Manager. Technology is largely delivered through vendor integrations — Kasasa for reward-checking products, ProfitStars SmartPay for loan/bill payments, and PSCU for credit card processing — rather than proprietary infrastructure.
VCB firmographics
Firmographics- Name
- VCB
- Legal name
- Blue Ridge Bank
- Website
- https://vcb.financial
- Company type
- Private
- Founded year
- 1903
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- VCB is a Richmond, Virginia-based multi-disciplinary financial services firm offering wealth management, banking, investments, taxation, trust, and estate planning services to individuals, small businesses, and high-net-worth clients across Virginia.
- Ownership category
- akta.pro rank
VCB industry classification
Industry- Product category
- Community Banking
- NAICS
- Commercial Banking (522110), Depository Credit Intermediation (5221)
- SIC
- State Commercial Banks (6022)
- akta.pro primary industry
- SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)
- akta.pro secondary industry
- Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL)
Keywords
Where VCB is headquartered
LocationHeadquarters
- HQ city
- Richmond
- HQ country
- United States
- HQ region
- North America
Markets served
VCB business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
Revenue model
- Interest Income from Lending: Traditional bank lending including personal loans (auto, home equity, personal term loans), business loans, commercial credit, and letters of credit
- Deposit Account Fees and Charges: Fees from checking accounts, savings accounts, money market accounts, and certificates of deposit including service fees and maintenance charges
- Credit Card Revenue: Income from credit card transactions, annual fees, and interest charges on personal and business credit cards including Edge, Summit, Multi Card, and Small Business Credit Cards
- Treasury Management Services: Cash management, fraud prevention tools, payables, and receivables services for business customers
- Wealth and Trust Services: BRB Wealth, BRB Trust, and BRB Life services for investment and wealth management
- Health Savings Accounts: HSA administration and management services
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Kasasa Cash Checking - High-yield checking account with rewards |
| Subscription | Monthly | Golden Advantage Checking - Senior checking account (55+) |
| Subscription | Monthly | Kasasa Saver - High-yield savings account |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels7 records
VCB product offering
Product offeringCore offering
VCB is a Virginia-based community bank offering personal checking, savings, CDs, credit cards, and loans alongside commercial checking, savings, treasury management, credit cards, and business lending. The bank also provides integrated wealth management, trust, and life insurance services through its BRB Wealth, BRB Trust, and BRB Life affiliates.
Product overview
Blue Ridge Bank offers a comprehensive banking platform with personal, commercial, and wealth management products. Personal banking includes multiple checking account options (Kasasa Cash, First Honor, Golden Advantage, Simply Checking, Student Banking), savings products (Personal Savings, CDs, HSA, IRAs, Money Market, Youth Savings), credit cards (Edge, Summit), and loans (Auto, Home Equity LOC, Personal Term Loans). Commercial banking provides business checking variants (EZ Business, Small Business, Business with Interest, Commercial Analysis, Charitable, IOLTAs, Zero Balance), business savings, treasury management services (Cash Management, Fraud Prevention, Payables, Receivables), business credit cards (Multi Card, Small Business Cards), and commercial lending. Wealth & Trust services under BRB sub-brand include wealth management, trust services, and life insurance. Digital banking is delivered through online and mobile platforms with Personal Finance Manager tools.
Differentiator
Problem solved
Functional benefit
Brands
- BRB Wealth: Wealth management services offered by Blue Ridge Bank.
- BRB Trust
- BRB Life
- Golden Advantage
- Kasasa
Companies that use VCB
Customer profileNamed customers3 records
Segments3 records
Ideal customer profiles3 records
VCB technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
Feature4 records
VCB partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core and minor.
- KasasacoreKasasa is a provider of fee-free, reward-checking account products. Blue Ridge Bank offers Kasasa Cash checking and Kasasa Saver products through this partnership, enabling high-yield checking accounts with ATM fee reimbursements and cash-back rewards.
- LPL FinancialminorLPL Financial provides Form CRS (Client Relationship Summary) disclosure as part of regulatory compliance. This indicates a referral or partnership arrangement for investment and financial advisory services offered through the bank.
- ProfitStarscoreProfitStars provides the SmartPay platform for loan payments and biller direct services. Blue Ridge Bank uses this platform for online loan payments and bill payment processing.
- PSCUcorePSCU provides credit card online banking access and processing services. Blue Ridge Bank credit card holders access their accounts through PSCU's digital platform.
Scale indicators2 records
Recent moves6 records
Expansion highlights5 records
VCB competitors and assessment
Company assessmentRegional players
- Sandy Spring Bancorp: Olney, Maryland-based community bank holding company providing commercial banking, mortgage, and wealth management across the Mid-Atlantic. Comparable to VCB as a community bank with similar diversified product offerings operating in an adjacent Mid-Atlantic geography.
Direct peers
- Trustar Bank: Great Falls, Virginia-based community bank providing personal and business banking services to Northern Virginia consumers and small businesses. Comparable to VCB as a Virginia-focused community bank with similar product mix emphasizing deposit relationships and commercial banking.
- TowneBank: Portsmouth, Virginia-based community bank providing personal, business, mortgage, and wealth management services across Virginia and Hampton Roads. Directly comparable to VCB as a Virginia-headquartered community bank with similar product breadth including deposits, lending, and trust services.
- First National Corporation: Lynchburg, Virginia-based small community bank holding company operating Bank of the James and other community banking franchises across central and western Virginia. Comparable to VCB as a smaller Virginia-focused community bank with similar deposit and lending orientation.
- Pinnacle Financial Partners: Nashville, Tennessee-based community bank holding company providing commercial banking, mortgage, treasury management, and wealth management across the Southeast. Directly comparable to VCB as a community banking franchise with similar product breadth including business banking, treasury, and wealth services.
- Burke & Herbert Bank & Trust Company: Alexandria, Virginia-based community bank founded in 1852 serving Northern Virginia with personal banking, business banking, and wealth services. Highly comparable to VCB as a long-standing Virginia community bank with a similar full-service banking model and dedicated wealth management line.
- Virginia National Bankshares Corp: Charlottesville, Virginia-based small community bank holding company providing personal and business banking services in central Virginia. Closely comparable to VCB as a smaller Virginia-based community bank with similar focus on local banking relationships and full-service product offerings.
- Bay Banks of Virginia: Annapolis Junction, Maryland-based bank holding company (under First Washington Bancorp) operating community banks throughout Virginia and the Mid-Atlantic. Comparable to VCB as a community banking operator with significant Virginia market presence and similar full-service banking products.
- Atlantic Union Bankshares Corp: Richmond, Virginia-headquartered regional bank holding company providing commercial banking, mortgage, and wealth management across Virginia, Maryland, and North Carolina. Directly comparable to VCB as a full-service Virginia-based community/commercial bank serving consumers and businesses with overlapping deposit, lending, and treasury products.
Broad incumbents
- Capital One Financial Corp: McLean, Virginia-headquartered Fortune 500 financial services company and one of the largest U.S. banks, offering consumer banking, credit cards, and commercial banking. Included as a broad incumbent with Virginia headquarters competing against VCB across consumer deposits, credit cards, and commercial banking segments.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
VCB social profiles
Digital presenceVCB compliance and trust
Trust signalCompliance2 records
VCB financial estimates
Financial estimateRevenue estimate
Valuation estimate
VCB leadership team
Management profileNumber of profiles
VCB subsidiaries and ownership
Company hierarchySubsidiaries3 records
VCB funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
VCB M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about VCB
What does VCB do?
VCB is a Virginia-based community bank offering personal checking, savings, CDs, credit cards, and loans alongside commercial checking, savings, treasury management, credit cards, and business lending. The bank also provides integrated wealth management, trust, and life insurance services through its BRB Wealth, BRB Trust, and BRB Life affiliates.
Is VCB a public or private company?
VCB is a private company. It is classified as unknown and is currently operating.
When was VCB founded?
VCB was founded in 1903. It employs 11 to 50 people.
Where is VCB based?
VCB is headquartered in Richmond, United States, in the North America region.
How does VCB make money?
Six revenue lines are on record. Interest Income from Lending is the primary driver. The others are deposit Account Fees and Charges, credit Card Revenue, treasury Management Services, wealth and Trust Services and health Savings Accounts.
Who are VCB's main competitors?
Sandy Spring Bancorp is listed as a regional player. Direct peers are Trustar Bank, TowneBank, First National Corporation, Pinnacle Financial Partners, Burke & Herbert Bank & Trust Company, Virginia National Bankshares Corp, Bay Banks of Virginia and Atlantic Union Bankshares Corp. Capital One Financial Corp is listed as a broad incumbent.
Does VCB have an API?
No public API is recorded for VCB.
What industry is VCB in?
VCB's product category is Community Banking. Its primary akta.pro industry code is FSABABAC, SME Deposits & Business Accounts (Operating, Savings, CDs), with a secondary code of FSAKAAAL, Bank & Credit Union Personal Loans (Unsecured Installment). Its NAICS code is 522110 and its SIC code is 6022.