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
Unfavorable gap of $3.1M · efficiency ratio beats 12% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.25% | 0.60% | 1.01% | 1.45% | Beats 12% | 556 / 629 | |
| Return on Equity | 1.28% | 5.38% | 9.30% | 13.28% | Beats 10% | 567 / 629 | |
| Net Interest Margin | 4.04% | 3.03% | 3.54% | 4.05% | Beats 74% | 166 / 629 | |
| Efficiency Ratio | 90.37% | 58.35% | 67.79% | 79.08% | Beats 12% | 552 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.46% | 1.20% | Beats 100% | 81 / 581 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 38.32% | 11.24% | 13.84% | 18.77% | Beats 89% | 70 / 629 | |
| Total Risk-Based Capital Ratio | 38.78% | 11.58% | 14.43% | 19.66% | Beats 89% | 71 / 629 | |
| Equity / Assets | 19.13% | 9.09% | 10.65% | 13.80% | Beats 87% | 82 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 67.72% | 67.24% | 80.90% | 93.48% | 26th pctl | 442 / 594 | |
| Loans / Assets | 42.84% | 53.31% | 67.71% | 78.15% | 16th pctl | 529 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |