BlastPoint's Banking Scorecard

Integrity Bank for Business

under $100M Specialty: Commercial VA FDIC cert 59262

Designations: ✓ Community bank

Virginia Beach, VA

537 banks in the under $100M peer group nationally 5 in VA

Integrity Bank for Business has 3 strengths but faces 4 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 1.36% below tier average
+ Non-Interest-Bearing Deposit Share 24.04% above tier average
+ Nonperforming Asset Ratio 0.77% below tier average

Key Concerns

Areas that may need attention

- Non-Interest Income / Assets 0.66% below tier average
- ROA 0.69% below tier average
- Net Interest Margin 0.14% below tier average
- Efficiency Ratio 7.73% above tier average

Get updates when Integrity Bank for Business releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Total Assets ?	$86.9M -5.1% YoY -11.6% QoQ	+$24.7M	$62.3M -0.5% YoY	$17.9B +25.7% YoY	$6.2B +9.0% YoY	82%
Total Loans ?	$47.4M +9.3% YoY -3.7% QoQ	+$13.1M	$34.3M -1.5% YoY	$10.6B +27.9% YoY	$3.2B +10.7% YoY	73%
Total Deposits ?	$64.9M +16.3% YoY +9.3% QoQ	+$13.1M	$51.8M -0.6% YoY	$14.1B +22.4% YoY	$4.8B +8.0% YoY	66%
Return on Assets ?	0.16% +170.1% YoY +127.4% QoQ	-0.69%	0.86% -3.6% YoY	1.15% +53.9% YoY	1.24% +13.1% YoY	18%
Net Interest Margin ?	3.73% +26.8% YoY +10.6% QoQ	-0.14%	3.87% +2.7% YoY	3.81% +7.1% YoY	3.89% +5.7% YoY	45%
Efficiency Ratio ?	95.36% -13.7% YoY -0.3% QoQ	+7.73%	87.63% +2.3% YoY	65.58% -7.6% YoY	66.84% -3.8% YoY	15%
Delinquency Rate ?	0.00%	-1.36%	1.36% +33.7% YoY	0.77% +12.4% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	72.98% -6.0% YoY -11.9% QoQ	+8.87%	64.11% -0.9% YoY	79.34% +0.5% YoY	76.69% +0.9% YoY	39%
Non-Interest-Bearing Deposit Share ?	47.83% -9.5% YoY -0.1% QoQ	+24.04%	23.79% +0.5% YoY	25.27% -0.4% YoY	22.01% -1.1% YoY	Top 4.5% in tier
Nonperforming Asset Ratio ?	0.00%	-0.77%	0.77% +28.7% YoY	0.55% +12.2% YoY	0.66% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	37.97% -11.2% YoY +0.6% QoQ	+11.19%	26.77% +2.0% YoY	16.28% +2.7% YoY	17.06% +0.8% YoY	Top 11.9% in tier
Non-Interest Income / Assets ?	0.01% +5.4% YoY -75.7% QoQ	-0.66%	0.67% +1.6% YoY	0.18% +27.1% YoY	0.32% +4.0% YoY	Bottom 5.0% in tier

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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 (0)

No matched concern signatures this quarter

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).

Compare against:

Comparing against 537 peers in under $100M

Top Strengths (5 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 1.36%

#1 of 517 Top 0.1% in under $100M

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.77%

#1 of 537 Top 0.1% in under $100M

Non-Interest-Bearing Deposit Share

funding

Value: 47.83%

Peer Median: 23.79%

#25 of 537 Top 4.5% in under $100M

Tier 1 Capital Ratio

capital

Value: 37.97%

Peer Median: 26.77%

#65 of 537 Top 11.9% in under $100M

Total Assets

size

Value: $86.93M

Peer Median: $62.28M

#99 of 537 Top 18.2% in under $100M

Top Weaknesses (3 metrics)

511

Non-Interest Income / Assets

revenue_mix

Value: 0.01%

Peer Median: 0.67%

#511 of 537 Bottom 5.0% in under $100M

456

Efficiency Ratio

profitability

Value: 95.36%

Peer Median: 87.63%

#456 of 537 Bottom 15.3% in under $100M

440

Return on Assets

profitability

Value: 0.16%

Peer Median: 0.86%

#440 of 537 Bottom 18.2% in under $100M