| Metric | Integrity Bank Plus | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.5% | +3.0% | +3.5 pts |
| Deposit growth (YoY) | +6.6% | +2.5% | +4.1 pts |
| Loan growth (YoY) | +3.8% | +2.6% | +1.1 pts |
| ROA | 1.73% | 0.99% | +0.7 pts |
| ROE | 16.7% | 8.1% | +8.6 pts |
ROA ranks in the 82nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $93.4M | $81.8M | $65.4M | $10.0M | $802K | 1.73% | 4.79% | 1.62% |
| Q1 2026 | $94.3M | $83.2M | $64.7M | $9.5M | $419K | 1.82% | 4.62% | 1.57% |
| Q4 2025 | $90.1M | $78.3M | $64.9M | $9.3M | $1.2M | 1.31% | 4.61% | 1.57% |
| Q3 2025 | $88.0M | $77.4M | $61.2M | $9.0M | $1.0M | 1.54% | 4.54% | 1.99% |
| Q2 2025 | $87.7M | $76.7M | $63.0M | $8.6M | $667K | 1.51% | 4.48% | 2.15% |
| Q1 2025 | $87.6M | $78.2M | $54.6M | $8.1M | $366K | 1.65% | 4.51% | 2.42% |
| Q4 2024 | $90.1M | $81.2M | $58.3M | $7.6M | $1.2M | 1.33% | 5.31% | 0.78% |
| Q3 2024 | $86.3M | $76.3M | $61.3M | $8.6M | $1.3M | 1.94% | 5.64% | 0.73% |
Loan mix (Q2 2026): real estate $31.4M · commercial $10.0M · consumer $415K · securities $18.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Integrity Bank Plus | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.73% | 0.99% | 82th | |
Return on equity Annualized net income ÷ equity or net worth | 16.7% | 8.1% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.79% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.8% | 70.8% | 19th |
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 Plus | 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 Plus | 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 Plus | 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 Plus | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.