Blue Ridge Bankshares, Inc. operates as a bank holding company for the Blue Ridge Bank, National Association that provides commercial and consumer banking, and financial services. Its deposit products include checking, savings, money market, cash management, investment, and individual retirement accounts, as well as certificates of deposit. The company's loan portfolio comprises commercial and industrial loans, such as small business and small business administration, asset-based, and other secured and unsecured loans and lines of credit; automobile lending, home improvement loans, and other unsecured personal loans; and mortgage loans on real estate, home equity loans, construction loans, residential and commercial mortgages, home equity loans, consumer installment loans, and insurance products. It also provides commercial banking services, such as wire services, direct deposit, remote deposit, and other commercial lending products. In addition, the company offers online banking, telephone banking, mobile banking, electronic statement, and payroll processing services. It operates through branches in Charlottesville, Drakes Branch, Culpeper, Fredericksburg, Gordonsville, Harrisonburg, Luray, Martinsville, Mineral, Orange, Shenandoah, Stuart, and Zion Crossroads, Virginia; and the Carolina State Bank in Greensboro, North Carolina, as well as mortgage offices in Virginia, Maryland, North Carolina, and Florida. The company was founded in 1893 and is headquartered in Charlottesville, Virginia.