Integrity Bank for Business: how it compares with its peers
Against 8 VA banks with half to twice its assets, Integrity Bank for Business's strongest measure in Q2 2026 is assets per employee ($11.2M vs. a $5.2M peer median). Its weakest relative measure is return on assets (0.28% vs. 0.75%).
| Measure | Integrity Bank for Business | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.28% | 0.75% | Bottom third Ahead of 25% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.60% | 3.74% | Middle third Ahead of 38% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 90.37% | 81.24% | Bottom third Ahead of 25% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $11.2M | $5.2M | Top third Ahead of 100% of peers |
| Loans to deposits Net loans and leases over total deposits. | 67.38% | 70.30% | Context |
What it means for lending operations
Its efficiency ratio of 90.37% is above the 81.24% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Miners Exchange Bank Coeburn, VA · $93M
- Farmers & Merchants Bank of Craig County New Castle, VA · $93M
- Community Bankers' Bank Midlothian, VA · $139M
- The Blue Grass Valley Bank Blue Grass, VA · $60M
- Movement Bank Danville, VA · $165M
- Highlands Community Bank Covington, VA · $189M
Questions about Integrity Bank for Business
How big is Integrity Bank for Business?
Integrity Bank for Business, established in 2021, is headquartered in Virginia Beach, VA. It reported $112M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Integrity Bank for Business's return on assets?
0.28% annualized in Q2 2026, against a 0.75% median for 8 VA banks with half to twice its assets, ahead of 25% of them.
What is Integrity Bank for Business's efficiency ratio?
90.37% in Q2 2026: it spent about 90 cents in noninterest expense for each dollar of revenue. The peer median is 81.24%, and lower is better.
Is Integrity Bank for Business growing its loans?
Net loans grew 1.5% over the year to Q2 2026, while deposits grew 11.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are VA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Virginia bank ranked.