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Letter portraitLegal landscapeQuarterYTD

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