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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Virginia Beach, VA · FDIC certificate #59262
INTEGRITY BANK FOR BUSINESS is an FDIC-insured institution based in Virginia Beach, VA (FDIC certificate #59262). In its Q3 2026 Call Report it reported total assets of $106M, total deposits of $66M and net loans of $44M. Its primary federal regulator is FED.
Plain-language readout
INTEGRITY BANK FOR BUSINESS has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $112M in Q2 2026 and were lowest at $87M in Q1 2026.
Total deposits were highest at $71M in Q2 2026 and lowest at $65M in Q1 2026.
Over the whole period total assets rose 21.4%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $106M | $66M | $44M | 0.31% | 1.46% | 3.58% |
| Q2 2026 | $112M | $71M | $48M | 0.28% | 1.28% | 3.60% |
| Q1 2026 | $87M | $65M | $47M | 0.16% | 0.71% | 3.73% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $33.3M | $14.4M | +$18.9M | +131.3% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $27.5M | $23.0M | +$4.5M | +19.4% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $47.6M | $47.4M | +$223K | +0.5% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $444K | $165K | +$279K | +169.1% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $2.8M | $2.0M | +$846K | +42.7% |
| Total assets | $111.7M | $86.9M | +$24.7M | +28.4% |
| Liabilities | ||||
| Total deposits | $70.6M | $64.9M | +$5.7M | +8.8% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $17.0M | $0K | +$17.0M | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $2.7M | $573K | +$2.1M | +364.4% |
| Total liabilities | $90.3M | $65.5M | +$24.8M | +37.9% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $2.5M | $2.5M | $0K | 0.0% |
| Surplus | $22.6M | $22.6M | $0K | 0.0% |
| Retained earnings | -$3.7M | -$3.8M | +$99K | +2.6% |
| Accumulated other comprehensive income | -$23K | $172K | -$195K | -113.4% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $21.4M | $21.5M | -$96K | -0.4% |
| Credit and capital | ||||
| Gross nonperforming assets | $0K | $0K | $0K | n/a |
| Adjusted nonperforming assets | $0K | $0K | $0K | n/a |
| Tangible equity plus allowance | $21.6M | $21.7M | -$92K | -0.4% |
| Texas ratio (gross) | 0.00% | 0.00% | 0.00 pts | See points |
| Texas ratio (adjusted) | 0.00% | 0.00% | 0.00 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.00% | 0.00% | 0.00 pts | See points |
| Tier 1 capital to risk-weighted assets | 38.32% | 37.97% | +0.35 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 38.32% | 37.97% | +0.35 pts | See points |
| Tier 2 capital to risk-weighted assets | 0.46% | 0.45% | +0.01 pts | See points |
| Total risk-based capital to risk-weighted assets | 38.78% | 38.42% | +0.36 pts | See points |
| Tier 1 leverage (approximate) | 24.06% | 24.60% | -0.54 pts | See points |
| Construction and land loans to total capital | 41.08% | 48.94% | -7.86 pts | See points |
| Commercial real estate to total capital | 112.95% | 116.03% | -3.07 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -0.14% | 1.07% | -1.21 pts | See points |
| Liquidity | ||||
| Core deposits | $70.4M | $64.7M | +$5.7M | +8.9% |
| Non-core funding | $17.3M | $252K | +$17.0M | +6746.8% |
| Loans to core deposits | 67.96% | 73.63% | -5.67 pts | See points |
| Loans to deposits | 67.72% | 73.35% | -5.63 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 0.00% | 0.00% | 0.00 pts | See points |
| Loans pledged, share of loans | 70.04% | 68.03% | +2.01 pts | See points |
| Volatile liabilities | $17.3M | $252K | +$17.0M | +6746.8% |
| Earnings | ||||
| Earnings before provision, year to date | $167K | $39K | +$128K | +328.2% |
| Earnings before provision, single quarter | $128K | $39K | +$89K | +228.2% |
| Provision for credit losses, year to date | -$8K | -$11K | +$3K | +27.3% |
| Yield and cost | ||||
| Yield on loans and leases | 5.22% | 5.11% | +0.11 pts | See points |
| Yield on interest-bearing balances due from banks | 3.70% | 3.64% | +0.06 pts | See points |
| Total interest income to average assets | 4.82% | 4.77% | +0.06 pts | See points |
| Cost of interest-bearing transaction accounts | 0.14% | 0.00% | +0.14 pts | See points |
| Cost of savings and money market deposits | 2.07% | 2.00% | +0.07 pts | See points |
| Cost of time deposits | 3.40% | 3.72% | -0.32 pts | See points |
| Total interest expense to average assets | 0.71% | 0.79% | -0.08 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $106M | $66M | $44M | 0.31% | 1.46% | 3.58% |
| 2026-06-30 | $112M | $71M | $48M | 0.28% | 1.28% | 3.60% |
| 2026-03-31 | $87M | $65M | $47M | 0.16% | 0.71% | 3.73% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| VA | $63.2M | 0.02% | 92 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.