Total Assets
$98M
Total balance-sheet footings
FDIC Cert #59262 · Virginia Beach, Virginia · Est. 2021
Integrity Bank for Business - FDIC Bank Health Profile
A community-scale look at Integrity Bank for Business's own numbers, pulled straight from its quarterly FDIC Call Report.
- $98M
- Total assets
- B
- Health grade · Good
- 0.07%
- Return on assets
- 37.7%
- Tier 1 capital
Data updated July 2026
The verdict
Integrity Bank for Business earns a PlainBankData health grade of B (67/100), with well-capitalized at 37.75% Tier 1, 0.07% ROA, 96% efficiency ratio.
- #3,749
- largest of 4,313 FDIC banks by assets
- 13th
- percentile by asset size, nationally
- 37.75%
- Tier 1 ratio - above the 10% well-capitalized line
- 6th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Integrity Bank for Business's 67/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Integrity Bank for Business's composite health score
Tier 1 Capital Ratio (37.75%) 40/40
Return on Assets (ROA) (0.07%) 7/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (95.66%) 0/15
67 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$59M
Customer-funded liabilities
Net Loans
$49M
Outstanding loan book
Net Income
$69K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Integrity Bank for Business ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Integrity Bank for Business's score of 67/100 falls in the highlighted band.
Integrity Bank for Business's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Integrity Bank for Business's $98M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
37.75% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
37.75%
Texas Ratio
0.00%
Equity Capital
$21M
Profitability metrics
Return on Assets (ROA)
6th percentile nationally
0.07%
Return on Equity (ROE)
0.32%
Efficiency Ratio
95.66%
What the numbers say about Integrity Bank for Business
Integrity Bank for Business is an FDIC-insured institution (Certificate #59262) headquartered in Virginia Beach, Virginia, established in 2021. It holds $98M in total assets - 3,749th of 4,313 FDIC-insured banks, $59M in customer deposits, and $49M in net loans. Capital-wise, the Tier 1 ratio sits at 37.75%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 0.00%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of B (67 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Integrity Bank for Business is a community-scale institution -- 52nd of 56 FDIC-insured banks headquartered in Virginia by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$4M
Interest Income
$28K
Non-Interest Income
$3M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Integrity Bank for Business reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Virginia by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Integrity Bank for Business (FDIC Cert #59262) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Virginia
All Virginia banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Capital One, National AssociationMclean | $658.5B | B | 0.55% |
| HSBC Bank USA, National AssociationTysons | $165.3B | A | 0.92% |
| Atlantic Union BankRichmond City | $37.5B | A | 0.99% |
| United BankFairfax | $33.5B | A | 1.50% |
| TowneBankPortsmouth | $19.7B | B | 0.90% |
| Burke & Herbert Bank & Trust CompanyAlexandria | $7.9B | A | 1.69% |
| Carter Bank & TrustMartinsville | $4.8B | D | 0.72% |
| The First Bank and Trust CompanyLebanon | $4.2B | A | 1.62% |
Frequently asked questions
What is Integrity Bank for Business's health grade?▼
Integrity Bank for Business receives a health grade of B (67/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Integrity Bank for Business?▼
Integrity Bank for Business holds $98M in total assets and $59M in deposits, ranking 3,749th of 4,313 FDIC-insured banks by asset size. It is headquartered in Virginia Beach, Virginia.
Is my money safe at Integrity Bank for Business?▼
Yes, deposits at Integrity Bank for Business (Certificate #59262) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Integrity Bank for Business's Tier 1 Capital Ratio?▼
Integrity Bank for Business has a Tier 1 Capital Ratio of 37.75%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Integrity Bank for Business?▼
Integrity Bank for Business has a Texas Ratio of 0.00%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Integrity Bank for Business?▼
Integrity Bank for Business has an Efficiency Ratio of 95.66%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Integrity Bank for Business's profile as a depositor or analyst.
- Integrity Bank for Business's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Integrity Bank for Business against other Virginia banks before moving funds. Virginia banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.