Integrity Bank for Business: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Equity capital to total assets: 5.55 percentage points lower than in Q1 2026, at 19.13%. On CET1 ratio, Integrity Bank for Business ranks 3rd highest among the 44 banks headquartered in Virginia, at 38.32% (Q2 2026). Integrity Bank for Business's CET1 ratio of 38.32% is well above the 15.07% median for banks in the $100M-1B asset tier, a gap of 23.25 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 38.32% |
| Tier 1 risk-based capital ratio | 38.32% |
| Total risk-based capital ratio | 38.78% |
| Tier 1 leverage ratio | 24.06% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $20.5M |
| Tier 1 capital | $20.5M |
| Total risk-based capital | $20.8M |
| Total equity capital | $21.4M |
| Risk-weighted assets | $53.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 19.13% |
| Tangible equity to tangible assets | 19.13% |
| Equity capital to average assets | 24.78% |
| Internal capital growth rate | 1.85% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.5M |
| Common stock surplus | $22.6M |
| Retained earnings | -$3.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$23K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 43.98% | 43.98% | 44.46% | 24.03% | $48.2M |
| Q4 2023 | 49.43% | 49.43% | 49.90% | 24.61% | $43.0M |
| Q1 2024 | 45.78% | 45.78% | 46.22% | 25.92% | $46.4M |
| Q2 2024 | 44.62% | 44.62% | 45.08% | 25.84% | $47.4M |
| Q3 2024 | 43.97% | 43.97% | 44.44% | 25.43% | $48.0M |
| Q4 2024 | 41.56% | 41.56% | 42.02% | 25.65% | $51.0M |
| Q1 2025 | 42.76% | 42.76% | 43.23% | 28.74% | $49.4M |
| Q2 2025 | 37.73% | 37.73% | 38.18% | 26.43% | $56.0M |
| Q3 2025 | 36.76% | 36.76% | 37.21% | 24.62% | $55.3M |
| Q4 2025 | 37.75% | 37.75% | 38.22% | 24.64% | $54.1M |
| Q1 2026 | 37.97% | 37.97% | 38.42% | 24.60% | $53.9M |
| Q2 2026 | 38.32% | 38.32% | 38.78% | 24.06% | $53.6M |
Integrity Bank for Business regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Integrity Bank for Business, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Integrity Bank for Business profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59262) · FFIEC NIC profile (RSSD 5543735)