Integrity Bank for Business: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
In Q2 2026, Net interest margin edged up by 0.12 percentage points, from 4.11% to 4.23%, the largest move among the key lines here. Within Virginia, Integrity Bank for Business is 15th of 56 on net interest margin, 4.23% as of Q2 2026, above the middle of the field. Integrity Bank for Business reported 4.23% on net interest margin for Q2 2026, 0.28 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.96% |
| Yield on loans | 5.22% |
| Yield on securities | 5.08% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.90% |
| Cost of interest-bearing deposits | 1.90% |
| Cost of interest-bearing liabilities | 1.52% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.23% |
| Yield to cost spread | 3.44% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $634K |
| Total interest expense | $152K |
| Interest expense on deposits | $150K |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.78% | 1.42% | 3.68% | 4.51% | 4.54% |
| Q4 2023 | 4.84% | 1.63% | 3.62% | 4.60% | 4.52% |
| Q1 2024 | 4.84% | 1.75% | 3.47% | 4.66% | 4.47% |
| Q2 2024 | 4.90% | 1.73% | 3.58% | 4.87% | 4.29% |
| Q3 2024 | 4.97% | 1.70% | 3.70% | 4.95% | 4.37% |
| Q4 2024 | 4.86% | 1.53% | 3.74% | 4.99% | 4.31% |
| Q1 2025 | 4.52% | 1.24% | 3.57% | 4.64% | 4.34% |
| Q2 2025 | 4.80% | 1.12% | 3.94% | 4.93% | 4.94% |
| Q3 2025 | 5.00% | 1.21% | 4.08% | 5.09% | 5.09% |
| Q4 2025 | 5.09% | 1.18% | 4.23% | 5.28% | 5.13% |
| Q1 2026 | 4.92% | 1.11% | 4.11% | 5.11% | 5.22% |
| Q2 2026 | 4.96% | 0.90% | 4.23% | 5.22% | 5.08% |
Integrity Bank for Business yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Integrity Bank for Business, freeSource: Call Report Schedules RI and RC-K, 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)