Integrity Bank for Business: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loans to total assets dropped 11.92 percentage points in Q2 2026, from 54.76% to 42.84%. It was the largest change from Q1 2026 among the key lines here. Within Virginia, Integrity Bank for Business is 45th of 56 on loan-to-deposit ratio, 67.72% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Integrity Bank for Business sits 13.12 points lower, at 67.72% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $47.8M |
| Net loans and leases | $47.6M |
| Loans held for sale | $0 |
| Loans to total assets | 42.84% |
| Loan-to-deposit ratio | 67.72% |
| Net loans to equity capital | 2.23% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 53.65% |
| Multifamily (5+ residential) | 3.17% |
| Commercial and industrial | 9.34% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 120.04% |
| Construction concentration (Tier 1 capital + allowance) | 41.09% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.22% |
| Interest income on loans | $634K |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $39.9M | $66.3M | 44.79% | 17.37% | 0.00% |
| Q4 2023 | $36.5M | $69.0M | 46.61% | 11.72% | 0.00% |
| Q1 2024 | $40.1M | $57.7M | 44.51% | 12.80% | 0.00% |
| Q2 2024 | $41.5M | $53.7M | 45.94% | 13.25% | 0.00% |
| Q3 2024 | $42.5M | $54.1M | 46.28% | 13.50% | 0.00% |
| Q4 2024 | $46.0M | $56.4M | 48.81% | 13.62% | 0.00% |
| Q1 2025 | $43.5M | $55.8M | 51.59% | 9.02% | 0.00% |
| Q2 2025 | $47.1M | $63.2M | 53.28% | 6.73% | 0.00% |
| Q3 2025 | $48.4M | $59.7M | 51.27% | 5.55% | 0.00% |
| Q4 2025 | $49.4M | $59.4M | 50.75% | 7.82% | 0.00% |
| Q1 2026 | $47.6M | $64.9M | 52.01% | 7.87% | 0.00% |
| Q2 2026 | $47.8M | $70.6M | 53.65% | 9.34% | 0.00% |
Integrity Bank for Business loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Integrity Bank for Business, freeSource: Call Report Schedule RC-C, 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)