0.16%
+170.1%y/y
Peer standing11th percentile
FDIC
NETINC + ROAIB
Integrity Bank for Business
Virginia Beach, VirginiaFDIC Cert #59262
STATEEstablished 20211 branch
Holding company: Not reportedRegulator: FED
FDIC
CERT + OFFDOMProfitability, margin & efficiency
Performance
Returns, spread economics, operating efficiency, and growth viewed against this bank's official FFIEC UBPR peers.
As of Q1 2026
Returns & margin
Annualized returns and the economics of earning assets and paid funding.
0.71%
+170.8%y/y
Peer standing10th percentile
FDIC
NETINC + ROE0.22%
+177.6%y/y
Peer standing11th percentile
FDIC
PTAXNETINC + ASSET3.73%
+26.8%y/y
Peer standing41st percentile
FDIC
NIM + NIMY4.47%
+20.3%y/y
Peer standing13th percentile
FDIC
INTINCY1.96%
−23.7%y/y
Peer standing59th percentile
FDIC
EINTEXP + DEPIDOMEfficiency & growth
Operating productivity and year-over-year balance-sheet momentum.
95.36%
−13.7%y/y
Peer standing8th percentile
FDIC
NONIX + NIM + NONII + EEFFR3.46%
+9.7%y/y
Peer standing22nd percentile
FDIC
NONIX + ASSET0.71%
−23.1%y/y
Percentile by value1st percentileby value
FDIC
NONII + NIM−5.10%
−205.6%y/y
Percentile by value6th percentileby value
FDIC
ASSET+16.35%
+601.1%y/y
Percentile by value94th percentileby value
FDIC
DEP+9.33%
+10.4%y/y
Percentile by value75th percentileby value
FDIC
LNLSNETHow this bank compares
Switch cohorts or expand any row to inspect the full distribution.
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA0.16%11th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.11%Median 1.10%90th 1.97%Observations 329
ROE
FDIC
NETINC + ROE0.71%10th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 0.69%Median 9.42%90th 17.70%Observations 329
NIM
FDIC
NIM + NIMY3.73%41st percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.95%Median 3.93%90th 5.09%Observations 329
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR95.36%8th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 48.38%Median 67.12%90th 92.94%Observations 329
Deposits YoY
FDIC
DEP+16.35%93rd percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −4.05%Median +3.15%90th +12.96%Observations 329
Loans YoY
FDIC
LNLSNET+9.33%74th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −7.88%Median +3.43%90th +18.70%Observations 327
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.00%24th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.45%90th 3.24%Observations 327
Leverage
FDIC
RBC1AAJ24.60%97th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.81%Median 11.93%90th 16.90%Observations 329
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.96%59th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.25%Median 2.14%90th 3.09%Observations 328
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC116%85th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 4%Median 46%90th 149%Observations 146
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA0.16%2nd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.48%Median 1.12%90th 1.62%Observations 53
ROE
FDIC
NETINC + ROE0.71%3rd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 4.62%Median 10.01%90th 14.77%Observations 53
NIM
FDIC
NIM + NIMY3.73%48th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.99%Median 3.73%90th 4.51%Observations 53
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR95.36%2nd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 50.67%Median 64.69%90th 84.47%Observations 53
Deposits YoY
FDIC
DEP+16.35%90th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.15%Median +4.56%90th +15.01%Observations 53
Loans YoY
FDIC
LNLSNET+9.33%75th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −6.09%Median +5.24%90th +15.97%Observations 53
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.00%5th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.05%Median 0.48%90th 1.73%Observations 53
Leverage
FDIC
RBC1AAJ24.60%98th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.20%Median 11.01%90th 14.66%Observations 53
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.96%69th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.44%Median 2.43%90th 3.44%Observations 53
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC116%22nd percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 54%Median 221%90th 339%Observations 42
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.