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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 59262 · VA B · 67/100

GRADE-B · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-COMMUNITY · BOOK-FULL

  • GRADE-B B (67/100)
  • LOWER-Q #3274/4307
  • PHOTO-FINISH Genesis Bank · CA
  • TIER1-WELL 37.7% Tier 1
  • TEXAS-CLEAN 0.0% Texas
  • ROA-THIN 0.07% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside Virginia: Genesis Bank, CA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Integrity Bank for Business

Lowest and highest poles plus nearest scored peers outside Virginia, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Alpine Capital Bank · NY · n…67/100BTG Pactual Bank, Na… · NY ·…67/100Genesis Bank · CA · near67/100Integrity Bank for B… · VA ·…67/100Mission Bank · AZ · near67/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Integrity Bank for Business · July 2026

What Integrity Bank for Business's Call Report plate shows

Integrity Bank for Business (FDIC Cert #59262) carries a PlainBankData health grade of B at 67/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,274 of 4,307. Tier 1 capital prints at 37.75%, clearing the 10% well-capitalized line. The Texas Ratio is 0.00%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.07%. Balance-sheet scale is $98M, 3,749th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Genesis Bank (CA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Integrity Bank for Business

5 FAILURE resolutions in Virginia since 2000 (5 since 2008)

Integrity Bank for Business's home state sits in the middle band of post-2000 FAILURE counts (5; 5 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Integrity Bank for Business remains an active FDIC-insured reporter.

  • MILLENNIUM BANK, NATIONAL ASSOCIATION STERLING, VA 2014 → WASHINGTONFIRST BANK
  • BANK OF THE COMMONWEALTH NORFOLK, VA 2011 → SOUTHERN BANK AND TRUST COMPANY
  • VIRGINIA BUSINESS BANK RICHMOND, VA 2011 → XENITH BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Virginia banks.

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.

0/100100/100National avg77/10067/100
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 Assets

$98M

Total balance-sheet footings

Total Deposits

$59M

Customer-funded liabilities

Net Loans

$49M

Outstanding loan book

Net Income

$69K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 10% 20% 30% 40% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 36.35% 37.75% 39.15%
Basel III capital ratios - Integrity Bank for Business

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

67 24th percentile higher than 24% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Integrity Bank for Business 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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 ratios for Integrity Bank for Business

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

What these ratios mean →

Profitability metrics: Integrity Bank for Business

Return on Assets (ROA)
6th percentile nationally
0.07%
Return on Equity (ROE)
0.32%
Efficiency Ratio
95.66%

What these mean →

Income & expense at Integrity Bank for Business

$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.

FDIC Failed Bank List → View Integrity Bank for Business on FDIC BankFind →

Top banks in Virginia by total assets

Largest banks headquartered in Virginia
  1. 1
    Capital One $658.5B

    Mclean, VA · Grade B

  2. 2
    HSBC Bank USA $165.3B

    Tysons, VA · Grade A

  3. 3
    Atlantic Union Bank $37.5B

    Richmond City, VA · Grade A

  4. 4
    United Bank $33.5B

    Fairfax, VA · Grade A

  5. 5
    TowneBank $19.7B

    Portsmouth, VA · Grade B

Top 5 banks in Virginia ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($98M here), outside Virginia so the neighborhood is not state containment.

First National Bank of Kansas $98M · KS Community Bank Owatonna $98M · MN The First Central National Bank of St… $98M · OH United Security Bank $99M · MO

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.

Integrity Bank for Business Call Report profile · FDIC Failed Bank List · Virginia FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Virginia

All Virginia banks →
BankAssetsGradeROA
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%