| Metric | Integrity Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +19.0% | +3.0% | +16.0 pts |
| Deposit growth (YoY) | +19.9% | +2.5% | +17.4 pts |
| Loan growth (YoY) | +8.6% | +2.6% | +6.0 pts |
| ROA | 1.35% | 0.99% | +0.4 pts |
| ROE | 14.5% | 8.1% | +6.4 pts |
ROA ranks in the 70th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $99.7M | $89.2M | $32.4M | $9.2M | $656K | 1.35% | 4.08% | 0.00% |
| Q1 2026 | $98.8M | $88.8M | $30.7M | $8.8M | $306K | 1.28% | 4.08% | 0.00% |
| Q4 2025 | $92.8M | $82.3M | $33.4M | $9.3M | $1.1M | 1.32% | 4.41% | 0.00% |
| Q3 2025 | $86.1M | $76.0M | $30.7M | $8.8M | $874K | 1.38% | 4.48% | 0.00% |
| Q2 2025 | $83.8M | $74.4M | $29.8M | $8.1M | $536K | 1.28% | 4.45% | 0.00% |
| Q1 2025 | $86.4M | $77.5M | $28.6M | $7.7M | $214K | 1.02% | 4.48% | 0.00% |
| Q4 2024 | $81.5M | $73.0M | $28.8M | $7.2M | $750K | 0.98% | 3.99% | 0.00% |
| Q3 2024 | $80.3M | $71.7M | $29.5M | $7.3M | $463K | 0.82% | 3.71% | 0.01% |
Loan mix (Q2 2026): real estate $12.4M · commercial $10.1M · consumer $445K · securities $60.9M
| Ratio | Integrity Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.35% | 0.99% | 70th | |
Return on equity Annualized net income ÷ equity or net worth | 14.5% | 8.1% | 82th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.08% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.2% | 70.8% | 39th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Integrity Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Integrity Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Integrity Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Integrity Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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