BlastPoint's Banking Scorecard
Integrity Bank for Business
$100M-$1B
Specialty: Commercial
VA
FDIC cert 59262
Virginia Beach, VA
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 23 in VA.
- Deposits +11.8% year over year ($70.6M on the books).
- Delinquency rate 0.00%.
- Return on assets 0.28%.
- Efficiency ratio 90.37% vs a 64.48% peer average.
- Loan-to-deposit ratio 67.38% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
2643
banks in the $100M-$1B peer group nationally
23 in VA
View $100M-$1B leaderboard (VA) →
Integrity Bank for Business has 3 strengths but faces 5 concerns
Key Strengths include matched growth signatures,
metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures,
metrics ranked in the bottom 10%, and values meaningfully below the tier average.
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.92% below tier average
- + Non-Interest-Bearing Deposit Share 36.66% above tier average
- + Nonperforming Asset Ratio 0.67% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 15.8% in tier
- - Return on Assets 1.05% below tier average
- - Efficiency Ratio 25.89% above tier average
- - Non-Interest Income / Assets 0.56% below tier average
- - Net Interest Margin 0.39% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$111.7M
+11.7% YoY
+28.4% QoQ
|
-$274.9M |
$386.6M
+1.2% YoY
|
$17.9B
+3.0% YoY
|
$6.3B
+7.7% YoY
|
Bottom 3.2% in tier |
| Total Loans ? |
$47.6M
+1.5% YoY
+0.5% QoQ
|
-$210.8M |
$258.3M
+1.7% YoY
|
$10.9B
+3.1% YoY
|
$3.2B
+9.4% YoY
|
Bottom 2.7% in tier |
| Total Deposits ? |
$70.6M
+11.8% YoY
+8.8% QoQ
|
-$256.1M |
$326.7M
+0.7% YoY
|
$14.1B
+3.2% YoY
|
$4.9B
+7.3% YoY
|
Bottom 0.6% in tier |
| Return on Assets ? |
0.28%
+359.5% YoY
+68.7% QoQ
|
-1.05% |
1.32%
+10.8% YoY
|
1.34%
+70.7% YoY
|
1.30%
+12.1% YoY
|
Bottom 6.9% in tier |
| Net Interest Margin ? |
3.60%
+15.1% YoY
-3.5% QoQ
|
-0.39% |
3.99%
+5.0% YoY
|
3.88%
+6.6% YoY
|
3.95%
+4.9% YoY
|
32% |
| Efficiency Ratio ? |
90.37%
-11.6% YoY
-5.2% QoQ
|
+25.89% |
64.48%
-3.2% YoY
|
62.24%
-10.7% YoY
|
70.05%
+2.5% YoY
|
Bottom 5.5% in tier |
| Delinquency Rate ? | 0.00% | -0.92% |
0.92%
+15.7% YoY
|
0.72%
+0.1% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
67.38%
-9.1% YoY
-7.7% QoQ
|
-10.58% |
77.95%
+1.0% YoY
|
80.15%
+0.8% YoY
|
79.03%
+2.3% YoY
|
74% |
| Non-Interest-Bearing Deposit Share ? |
58.69%
+4.7% YoY
+22.7% QoQ
|
+36.66% |
22.03%
-0.6% YoY
|
26.19%
+3.5% YoY
|
21.98%
-0.6% YoY
|
Top 0.8% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.67% |
0.67%
+16.4% YoY
|
0.52%
-0.4% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
38.32%
+1.6% YoY
+0.9% QoQ
|
+22.41% |
15.91%
+1.4% YoY
|
16.58%
+3.9% YoY
|
17.09%
+0.8% YoY
|
Top 2.2% in tier |
| Non-Interest Income / Assets ? |
0.01%
-17.4% YoY
+55.7% QoQ
|
-0.56% |
0.57%
+7.6% YoY
|
0.52%
+72.6% YoY
|
0.66%
+5.2% YoY
|
Bottom 1.1% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
58.7%
+2.6pp YoY +10.9pp QoQ |
+36.5pp | 22.1% | 26.2% | 22.2% | 99% |
| Brokered Deposits | n/a | n/a | 7.9% | 8.5% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
9.4%
+2.6pp YoY +1.5pp QoQ |
-2.2pp | 11.6% | 11.0% | 12.5% | 49% |
| CRE |
75.0%
-2.1pp YoY -1.8pp QoQ |
+35.5pp | 39.5% | 46.9% | 41.4% | 95% |
| 1-4 Family |
13.3%
-0.4pp YoY +0.4pp QoQ |
-19.3pp | 32.6% | 32.6% | 31.3% | 16% |
| Consumer | n/a | n/a | 4.1% | 8.0% | 5.0% | n/a |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
38.3%
+0.6pp YoY +0.4pp QoQ |
+19.5pp | 18.8% | 17.2% | 19.7% | 96% |
| Leverage Ratio |
24.1%
-2.4pp YoY -0.5pp QoQ |
+11.9pp | 12.2% | 12.2% | 12.6% | 98% |
| Total Capital Ratio |
38.8%
+0.6pp YoY +0.4pp QoQ |
+18.8pp | 19.9% | 18.3% | 20.8% | 96% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
10
-1 (-9.1%) YoY 0 QoQ |
-49 | 58 | 1,956 | 482 | 1% |
| Assets per Employee ($) |
$11.2M
+22.9% YoY +28.4% QoQ |
+$3.6M | $7.5M | $9.9M | $8.8M | 90% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 28 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.2% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 0.7% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 9.47x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.2% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
1.3%
+1.8pp YoY +0.6pp QoQ |
-10.9pp | 12.2% | 12.0% | 11.6% | 5% |
| Cost of Funds (YTD) |
0.7%
-0.1pp YoY -0.1pp QoQ |
-1.1pp | 1.7% | 1.7% | 1.7% | 3% |
| Net Income ($, YTD) |
$137,000
+374.0% YoY — QoQ |
-$2.4M | $2.6M | $137.1M | $40.4M | 4% |
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$250B+
12 performance metrics with tier, state, and national benchmarks
Signature behaviors (strengths & concerns)
Metric and signature rankings across 4,287 FDIC-insured banks
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths are growth signatures this bank matches
(e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches
(e.g. Margin Compression, Credit Quality Pressure).
Strengths (0)
No matched strength signatures this quarter
Concerns (1)
Liquidity Overhang
risk
#118 of 742 • Bottom 15.8% in tier
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Capital Ratio:
38.32%
(Tier: 15.91%, National: 17.09%)
Loan-to-Deposit Ratio:
67.38%
(Tier: 77.95%, National: 79.03%)
742 of 742 Community banks match
·
940 nationally
→ Stable
+7 banks QoQ
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.
Strengths are metrics in the top 25%
(75th percentile or higher).
Concerns are metrics in the bottom 25%
(25th percentile or lower).
Top Strengths (4 metrics)
1
Delinquency Rate
credit_quality
Value:
0.00%
Peer Median: 0.92%
#1 of 2633
Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value:
0.00%
Peer Median: 0.67%
#1 of 2643
Top 0.1% in $100M-$1B
22
Non-Interest-Bearing Deposit Share
funding
Value:
58.69%
Peer Median: 22.03%
#22 of 2643
Top 0.8% in $100M-$1B
59
Tier 1 Capital Ratio
capital
Value:
38.32%
Peer Median: 15.91%
#59 of 2643
Top 2.2% in $100M-$1B
Top Weaknesses (6 metrics)
2628
Total Deposits
size
Value:
$70.63M
Peer Median: $326.73M
#2628 of 2643
Bottom 0.6% in $100M-$1B
2615
Non-Interest Income / Assets
revenue_mix
Value:
0.01%
Peer Median: 0.57%
#2615 of 2643
Bottom 1.1% in $100M-$1B
2573
Total Loans
size
Value:
$47.59M
Peer Median: $258.35M
#2573 of 2643
Bottom 2.7% in $100M-$1B
2560
Total Assets
size
Value:
$111.66M
Peer Median: $386.57M
#2560 of 2643
Bottom 3.2% in $100M-$1B
2498
Efficiency Ratio
profitability
Value:
90.37%
Peer Median: 64.48%
#2498 of 2643
Bottom 5.5% in $100M-$1B
2462
Return on Assets
profitability
Value:
0.28%
Peer Median: 1.32%
#2462 of 2643
Bottom 6.9% in $100M-$1B