Integrity Bank for Business
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Data as of · sourced from FFIEC call reports. How we update
Integrity Bank for Business is an FDIC-insured commercial bank headquartered in Virginia Beach, VA, established in 2021 (FDIC certificate 59262), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $111.7M, up 11.7% from Q2 2025, the 52nd largest of 56 banks headquartered in Virginia. Its CET1 capital ratio was 38.32% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 59262
- Headquarters
- Virginia Beach, VA
- Established
- 2021
- Total assets, Q2 2026
- $111.7M
- Assets vs Q2 2025
- +11.7%
- CET1 ratio, Q2 2026
- 38.32%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 051409731
- Latest call report
- Q2 2026, FFIEC 051 · Integrity Bank for Business call report
- Asset rank in state
- 52nd of 56 in Virginia
Integrity Bank for Business, based in Virginia Beach, Virginia, reported $112 million in assets at June 30, 2026, up 11.7% from a year earlier. It returns 1.8% a year on shareholders' equity, a small fraction of the median of 12.5% for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 86 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Deposits are coming in faster than loans: over the year loans rose 1.5% and deposits rose 11.8%.
As of June 30, 2026, Integrity Bank for Business reported a CET1 capital ratio of 38.32%, a return on assets of 0.46%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Integrity Bank for Business ranks as the 52nd largest of the 56 banks based in Virginia, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 28.4% to $111.7M, loans rose 0.5% and deposits rose 8.8%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 28.1% of total loans, followed by owner-occupied commercial real estate loans at 25.6%. Its one office in the FDIC Summary of Deposits is in Virginia Beach, VA. On its Q2 2026 call report, Integrity Bank for Business meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 2901 S Lynnhaven Rd, Virginia Beach, VA 23452
- County
- Virginia Beach City
- Metro Area
- Virginia Beach-Chesapeake-Norfolk, VA-NC
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- May 3, 2021
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 10
- Domestic deposits
- $70.6M
- Allowance for credit losses
- $241K
- Net charge-offs (YTD)
- $0
- Average total assets
- $86.2M
- Average total loans
- $48.6M
- Average interest-bearing deposits
- $31.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 3, 2021
- FDIC Cert
- 59262
- Fed RSSD
- 5543735
- Website
- www.integritybankva.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Integrity Bank for Business's total assets ranged from $86.9M (Q1 2026) to $111.7M (Q2 2026), and it earned a profit in 6 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$111.7M total assets against $99.9M; $90.3M total liabilities against $78.7M.
$47.6M net loans and leases against $46.9M; $70.6M total deposits against $63.2M.
$27.5M securities against $20.3M; $33.3M cash and balances due against $29.9M.
$1.0M total interest income against $936K; $152K total interest expense against $167K.
$887K net interest income against $769K.
$6K total noninterest income against $7K; $765K total noninterest expense against $740K.
$3K provision for credit losses against $18K.
$99K net income against $3K.
0.46% return on assets against 0.02%; 4.23% net interest margin against 3.94%.
38.32% CET1 capital ratio against 37.73%; 24.06% tier 1 leverage ratio against 26.43%.
Inside the full Integrity Bank for Business terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeIntegrity Bank for Business rankings
Its closest position to the top of a national ranking is 33 of 2,134, for CET1 ratio; its furthest is 3,627 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.40% (Q3 2024) to 0.46% (Q2 2026) and its net interest margin ran from 3.57% (Q1 2025) to 4.23% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 38.32% | 0.46% | 0.00% | 0.00% | 4.23% |
| Q1 2026 | 37.97% | 0.18% | 0.00% | 0.00% | 4.11% |
| Q4 2025 | 37.75% | 0.36% | 0.00% | 0.00% | 4.23% |
| Q3 2025 | 36.76% | 0.21% | 0.00% | 0.00% | 4.08% |
| Q2 2025 | 37.73% | 0.02% | 0.00% | 0.00% | 3.94% |
| Q1 2025 | 42.76% | -0.29% | 0.00% | 0.00% | 3.57% |
| Q4 2024 | 41.56% | 0.29% | 0.00% | 0.00% | 3.74% |
| Q3 2024 | 43.97% | -0.40% | 0.00% | 0.00% | 3.70% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Integrity Bank for Business (main office) | Virginia Beach , VA | 23452 | $70.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in VA, rank 92 of 102 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Integrity Bank for Business
What are Integrity Bank for Business's total assets?
As of the Q2 2026 filing, Integrity Bank for Business reported total assets of $111.7 million in its FFIEC call report.
Where is Integrity Bank for Business headquartered?
It is headquartered in Virginia Beach, VA, United States.
When was Integrity Bank for Business founded?
It was established in 2021, per the FDIC institution directory.
Is Integrity Bank for Business FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #59262). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Integrity Bank for Business?
Integrity Bank for Business's primary federal regulator is the Federal Reserve.
What is Integrity Bank for Business's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 38.32% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Integrity Bank for Business operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Integrity Bank for Business's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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