PackageTrendsPeer
Letter portraitLegal landscape

Integrity Bank for Business

Virginia Beach, VA · Cert 59262

State charter, Fed member · FED · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

88

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

32

Q2 2024Q2 2026peer median (50)

Liquidity

59

Q2 2024Q2 2026peer median

Efficiency

12

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Integrity Bank for Business

Virginia Beach, VA · Cert 59262

State charter, Fed member · FED · 1 branch

Q2 2026

$111.7MAssets
$47.8MLoans
$70.6MDeposits
$21.4MEquity
Loan mix
92%RE $42.5M8%C&I $3.7M0%Consumer $0.0MQ3 2024Q2 2026
Deposit mix
41%Interest-bearing $29.2M59%Noninterest $41.5MQ3 2024Q2 2026

Market Position · Virginia Beach-Chesapeake-Norfolk, VA-NC · 2026 SOD (annual) · 0.2% share · #17 of 22 inst. · $0.1B of $31.1B

Executive Summary

  • Earnings: ROA of 0.28%, up 38 bps year over year; NIM at 4.04%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 24.06%, down 237 bps from a year ago.
  • Funding: loans stand at 67.72% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.28%+38 bps YoY

Net Interest Margin (YTD, annualized)

4.04%+51 bps YoY

Efficiency Ratio (YTD, annualized)

90.37%-1,188 bps YoY

Tier 1 Leverage Ratio

24.06%-237 bps YoY

NIM

4.75%Q2 ’244.37%Q2 ’254.73%Q2 ’26+3%+14%

Non-interest income vs. expense

4.12%Q2 ’243.64%Q2 ’253.64%Q2 ’26-12%0%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.50%-0.31%-0.23%-0.11%-0.01%0.07%0.16%0.28%+38 bps
Return on Equity-2.19%-1.36%-1.00%-0.47%-0.04%0.32%0.71%1.28%+175 bps
Net Interest Margin3.46%3.52%3.49%3.53%3.62%3.75%4.01%4.04%+51 bps
Efficiency Ratio116.74%109.09%110.51%102.25%98.54%95.66%95.36%90.37%-1,188 bps
Non-Interest Burden4.04%3.85%3.86%3.61%3.53%3.55%3.79%3.61%0 bps
Growth
Asset Growth (YoY)-13.42%-11.25%-1.67%10.38%9.54%9.74%-5.10%11.71%+133 bps
Loan Growth (YoY)6.56%26.00%8.45%13.56%13.66%7.53%9.33%1.55%-1,201 bps
Deposit Growth (YoY)-18.36%-18.27%-3.26%17.58%10.29%5.39%16.35%11.77%-581 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.50%0.50%0.50%0.50%0.50%0.50%0.50%0.50%0 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio25.43%25.65%28.74%26.43%24.62%24.64%24.60%24.06%-237 bps
Total Risk-Based Capital44.44%42.02%43.23%38.18%37.21%38.22%38.42%38.78%+60 bps
Equity / Assets23.52%23.62%23.14%21.27%21.65%21.82%24.68%19.13%-214 bps
Liquidity & Funding
Loans / Deposits78.62%81.59%78.05%74.53%81.02%83.24%73.35%67.72%-681 bps
Liquid Assets / Assets36.07%33.78%36.45%29.06%20.55%21.87%15.82%29.41%+35 bps
CRE / Total Capitaln/an/an/an/a182.92%184.91%177.95%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Integrity Bank for Business

Virginia Beach, VA · Cert 59262 · Peer group: banks under $1B in assets (n=581-629)

State charter, Fed member · FED · 1 branch

Q2 2026

$111.7MAssets
$47.8MLoans
$70.6MDeposits
$21.4MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 81 of 581).
  • Widest gap: return on equity trails 90% of banks under $1B in assets (rank 567 of 629).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

0.25%

Rank 556 of 629

Net Interest Margin

4.04%

Rank 166 of 629

Efficiency Ratio

90.37%

Rank 552 of 629

Equity / Assets

19.13%

Rank 82 of 629

Non-interest income vs. expense

$0.0M$3.1MINCOMEEXPENSE
Unfavorable gap of $3.1M · efficiency ratio beats 12% of banks under $1B in assets
Bank 90.37%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.25%0.60%1.01%1.45%Beats 12%556 / 629
Return on Equity1.28%5.38%9.30%13.28%Beats 10%567 / 629
Net Interest Margin4.04%3.03%3.54%4.05%Beats 74%166 / 629
Efficiency Ratio90.37%58.35%67.79%79.08%Beats 12%552 / 629
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.46%1.20%Beats 100%81 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio38.32%11.24%13.84%18.77%Beats 89%70 / 629
Total Risk-Based Capital Ratio38.78%11.58%14.43%19.66%Beats 89%71 / 629
Equity / Assets19.13%9.09%10.65%13.80%Beats 87%82 / 629
Liquidity & Funding
Loans / Deposits67.72%67.24%80.90%93.48%26th pctl442 / 594
Loans / Assets42.84%53.31%67.71%78.15%16th pctl529 / 629
Brokered Deposits / Depositsn/aNot reported for this institution