# INTEGRITY BANK FOR BUSINESS
VIRGINIA BEACH, VA · FDIC certificate 59262 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $111.7M | |
| Deposits | $70.6M | |
| Loans and leases | $47.8M | |
| Total equity | $21.4M | |
| Loans / deposits | 67.38% (p41 of band) | 73.59% |
| Liquid assets / assets | 54.45% (p83 of band) | |
| Uninsured deposits / deposits | 48.85% (p96 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 15.23% (p91 of band) | |
| FHLB advances / assets | 15.23% | |
| Tier 1 leverage | 24.06% (p93 of band) | 11.76% |
| Unrealized securities loss / equity | -0.14% (p89 of band) | -6.57% |
| AOCI / equity | -1.16% (p24 of band) | |
| ROA (annualized) | 0.28% (p11 of band) | 1.17% |
| Net interest margin | 3.60% (p33 of band) | 3.93% |
| Efficiency ratio | 90.37% (p90 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 88% | |
| Construction % of loans | 39.96% (p73 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 11.8% | |
| Employees | 10 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2021-06 | 3 | losing money, expense ratio p90, NIM <2.5% |  |
| 2021-09 | 4 | uninsured deposits >50% |  |
| 2021-12 | 4 | capital falling | uninsured deposits >50% |
| 2022-03 | 4 |  |  |
| 2022-06 | 5 | uninsured deposits >50% |  |
| 2022-09 | 4 |  | NIM <2.5% |
| 2022-12 | 3 |  | uninsured deposits >50% |
| 2023-03 | 3 |  |  |
| 2023-06 | 2 |  | capital falling |
| 2023-09 | 4 | wholesale funding >15%, uninsured deposits leaving |  |
| 2023-12 | 2 |  | wholesale funding >15%, uninsured deposits leaving |
| 2024-03 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2024-06 | 6 | wholesale funding >15% |  |
| 2024-09 | 7 | capital falling |  |
| 2024-12 | 5 |  | wholesale funding >15%, capital falling |
| 2025-03 | 3 | wholesale funding >15% | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2025-06 | 3 |  |  |
| 2025-09 | 4 | capital falling |  |
| 2025-12 | 2 |  | losing money, capital falling |
| 2026-03 | 2 | assets shrinking | wholesale funding >15% |
| 2026-06 | 2 | wholesale funding >15%, capital falling | expense ratio p90, assets shrinking |

## In the news (Google News, unfiltered, newest first; check the city)

- 2022-06-08 [6 de novos explain their tech choices - American Banker](https://news.google.com/rss/articles/CBMifkFVX3lxTFBLX2xWTzJEZjZhNHFubEJQS2thcVQyTUtlUE9BdFFpYWZBbmJpMEEwOU50SWpKV0lBYVJBZjlRWXhtTnFxbENlX3Q1Y2pqSUE1ajB6SGsycVByYXVjUW92QzhpSWZDVkpQNXVCY1dzNzFYSHc0UjhOenZrU0VOZw?oc=5) · American Banker
- 2020-10-25 [Former Heritage and Monarch bank leaders power through pandemic to start new Hampton Roads bank - The Virginian-Pilot](https://news.google.com/rss/articles/CBMi0AFBVV95cUxQQ0ZlV3RjNnNFU3RyRUlOLUItRFNQRFpYTXRLNGhXZWxfbW1fbG00VFJ1aTRVM3JURUZwZkJHMHg1d1hMT0YtYkZGNDVjZWZMS2cwRGZxM3ktRzZaaVlhSXF6MXpsRjhMenlMaE5VOVkyN0RPUnpHRkh5TTFiMnE1QVB0MGRsSlVzV1c1TEs4ZlVvYm9Md1g0OGNqWGphYTNTRWZ1aVRTaEZpMTdYWXdBVXZSUjVtekt2cWtKdGo0WU1CVjNQeWprREk0YU9TNFUy?oc=5) · The Virginian-Pilot
- 2023-08-28 [5 things to keep in mind when choosing a core banking system - American Banker](https://news.google.com/rss/articles/CBMinAFBVV95cUxQQkJ1TDB6STFrUGRoX1pWUUtFaEhXcTlUcGNHVlZnLTdPM2t2MU1NMU9ObDc2N01qbnRDR2VHVEZZLXgxYWJoeDFtanRVTWlBcmRncEJpSldHcF9LMTBHQncxdVlJd1lnNUJaUGhUalNLU1p5Ym1Hd2pmTzFjcjhiOUk1R1pKM2xydGVOLWc2a3NpWTJWSkdiT01wWlU?oc=5) · American Banker

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=59262 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/62.json (key "59262", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide