BlastPoint's Banking Scorecard
Integrity Bank for Business
Micro
Specialty: Commercial
VA
FDIC cert 59262
Designations: ✓ Community bank
Virginia Beach, VA
2498
banks in Micro tier nationally
18 in VA
View Micro leaderboard (VA) →
Integrity Bank for Business has 4 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Non-Interest-Bearing Deposit Share 25.49% above tier
- + Nonperforming Asset Ratio 0.45% below tier
- + Tier 1 Capital Ratio 28.90% above tier
Key Concerns
Areas that may need attention
- - Return on Assets 1.01% below tier
- - Efficiency Ratio 27.93% above tier
- - Non-Interest Income / Assets 0.53% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$98.4M
+9.7% YoY
-0.3% QoQ
|
-$119.1M |
$217.5M
+2.3% YoY
|
$17.5B
+24.6% YoY
|
$5.9B
+6.5% YoY
|
22% |
| Total Loans ? |
$49.2M
+7.5% YoY
+2.2% QoQ
|
-$90.0M |
$139.2M
+2.8% YoY
|
$10.7B
+28.4% YoY
|
$3.1B
+8.5% YoY
|
19% |
| Total Deposits ? |
$59.4M
+5.4% YoY
-0.5% QoQ
|
-$124.3M |
$183.7M
+1.8% YoY
|
$13.8B
+21.4% YoY
|
$4.7B
+6.3% YoY
|
Bottom 13% in tier |
| Return on Assets ? |
0.07%
+123.3% YoY
+956.4% QoQ
|
-1.01% |
1.08%
+14.7% YoY
|
0.94%
+24.9% YoY
|
1.12%
+15.6% YoY
|
Bottom 7% in tier |
| Net Interest Margin ? |
3.37%
+3.6% YoY
+3.1% QoQ
|
-0.48% |
3.85%
+6.6% YoY
|
3.66%
+9.0% YoY
|
3.75%
+7.1% YoY
|
28% |
| Efficiency Ratio ? |
95.66%
-12.3% YoY
-2.9% QoQ
|
+27.93% |
67.73%
-4.8% YoY
|
66.70%
-6.7% YoY
|
65.09%
-5.1% YoY
|
Bottom 6% in tier |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.75%
+37.7% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
82.83%
+2.0% YoY
+2.7% QoQ
|
+8.30% |
74.53%
+0.5% YoY
|
79.98%
+0.8% YoY
|
78.04%
+0.7% YoY
|
63% |
| Non-Interest-Bearing Deposit Share ? |
47.89%
-1.9% YoY
+1.1% QoQ
|
+25.49% |
22.39%
-1.3% YoY
|
24.23%
+0.2% YoY
|
21.79%
-1.3% YoY
|
Top 3% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.53%
+39.4% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
37.75%
-9.2% YoY
+2.7% QoQ
|
+28.90% |
8.85%
-3.4% YoY
|
11.48%
+7.9% YoY
|
9.75%
-1.9% YoY
|
Top 1% in tier |
| Non-Interest Income / Assets ? |
0.03%
-78.7% YoY
+40.5% QoQ
|
-0.53% |
0.56%
+0.3% YoY
|
0.64%
-0.2% YoY
|
0.65%
+0.6% YoY
|
Bottom 2% in tier |
Signature Analysis
Strengths (4)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Top 3%
in Micro
Why this stands out
Current:
47.89%
(Tier avg: 22.39%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Tier 1 Capital Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
37.75%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (3)
Return on Assets
metric
Bottom 7%
in Micro
Why this stands out
Current:
0.07%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 6%
in Micro
Why this stands out
Current:
95.66%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest Income / Assets
metric
Bottom 2%
in Micro
Why this stands out
Current:
0.03%
(Tier avg: 0.56%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
99
99th pctile
Tier 1 Capital Ratio
Current: 37.75% · Tier avg: 8.85%
97
97th pctile
Non-Interest-Bearing Deposit Share
Current: 47.89% · Tier avg: 22.39%
63
63th pctile
Loan-to-Deposit Ratio
Current: 82.83% · Tier avg: 74.53%
28
28th pctile
Net Interest Margin
Current: 3.37% · Tier avg: 3.85%
22
22th pctile
Total Assets
Current: $98.4M · Tier avg: $217.5M
19
19th pctile
Total Loans
Current: $49.2M · Tier avg: $139.2M
13
13th pctile
Total Deposits
Current: $59.4M · Tier avg: $183.7M
7
7th pctile
Return on Assets
Current: 0.07% · Tier avg: 1.08%
6
6th pctile
Efficiency Ratio
Current: 95.66% · Tier avg: 67.73%
2
2th pctile
Non-Interest Income / Assets
Current: 0.03% · Tier avg: 0.56%
Top Weaknesses
2
2th pctile
Non-Interest Income / Assets
Current: 0.03% · Tier avg: 0.56%
6
6th pctile
Efficiency Ratio
Current: 95.66% · Tier avg: 67.73%
7
7th pctile
Return on Assets
Current: 0.07% · Tier avg: 1.08%
13
13th pctile
Total Deposits
Current: $59.4M · Tier avg: $183.7M
19
19th pctile
Total Loans
Current: $49.2M · Tier avg: $139.2M
22
22th pctile
Total Assets
Current: $98.4M · Tier avg: $217.5M
28
28th pctile
Net Interest Margin
Current: 3.37% · Tier avg: 3.85%
63
63th pctile
Loan-to-Deposit Ratio
Current: 82.83% · Tier avg: 74.53%
97
97th pctile
Non-Interest-Bearing Deposit Share
Current: 47.89% · Tier avg: 22.39%
99
99th pctile
Tier 1 Capital Ratio
Current: 37.75% · Tier avg: 8.85%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%