Integrity Bank for Business: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Deposits to assets: 11.40 percentage points lower than in Q1 2026, at 63.26%. Integrity Bank for Business ranks 48th of 56 Virginia banks on return on assets, in the lower half at 0.46% (Q2 2026). Integrity Bank for Business's return on assets of 0.46% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.79 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 38.32% |
| Tier 1 risk-based capital ratio | 38.32% |
| Total risk-based capital ratio | 38.78% |
| Tier 1 leverage ratio | 24.06% |
| Equity capital to assets | 19.13% |
| Tangible equity to tangible assets | 19.13% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 0.50% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.46% |
| Return on equity | 1.85% |
| Net interest margin | 4.23% |
| Efficiency ratio | 85.67% |
| Yield on earning assets | 4.96% |
| Cost of funds | 0.90% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 67.72% |
| Core deposits to total deposits | 99.64% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 63.26% |
| Securities to assets | 24.63% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 43.98% | 43.98% | 44.46% | 24.03% | -0.09% |
| Q4 2023 | 49.43% | 49.43% | 49.90% | 24.61% | 0.00% |
| Q1 2024 | 45.78% | 45.78% | 46.22% | 25.92% | -0.38% |
| Q2 2024 | 44.62% | 44.62% | 45.08% | 25.84% | -0.92% |
| Q3 2024 | 43.97% | 43.97% | 44.44% | 25.43% | -0.40% |
| Q4 2024 | 41.56% | 41.56% | 42.02% | 25.65% | 0.29% |
| Q1 2025 | 42.76% | 42.76% | 43.23% | 28.74% | -0.29% |
| Q2 2025 | 37.73% | 37.73% | 38.18% | 26.43% | 0.02% |
| Q3 2025 | 36.76% | 36.76% | 37.21% | 24.62% | 0.21% |
| Q4 2025 | 37.75% | 37.75% | 38.22% | 24.64% | 0.36% |
| Q1 2026 | 37.97% | 37.97% | 38.42% | 24.60% | 0.18% |
| Q2 2026 | 38.32% | 38.32% | 38.78% | 24.06% | 0.46% |
Integrity Bank for Business vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Integrity Bank for Business, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)