| Metric | Integrity Bank SSB | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +211.7% | +4.4% | +207.3 pts |
| Deposit growth (YoY) | +307.5% | +4.0% | +303.6 pts |
| Loan growth (YoY) | +180.6% | +5.6% | +175.1 pts |
| ROA | 0.47% | 1.24% | -0.8 pts |
| ROE | 3.6% | 11.9% | -8.3 pts |
ROA ranks in the 12th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $339.6M | $292.5M | $183.6M | $46.2M | $747K | 0.47% | 4.20% | 0.00% |
| Q1 2026 | $312.2M | $272.1M | $140.4M | $39.3M | $337K | 0.44% | 4.14% | 0.00% |
| Q4 2025 | $300.8M | $260.9M | $117.0M | $39.0M | $-1.8M | -1.33% | 4.30% | 0.00% |
| Q3 2025 | $152.1M | $115.2M | $85.6M | $36.1M | $-1.8M | -2.45% | 4.78% | 0.00% |
| Q2 2025 | $109.0M | $71.8M | $65.4M | $36.4M | $-1.5M | -3.84% | 5.06% | 0.00% |
| Q1 2025 | $82.2M | $44.4M | $36.9M | $37.0M | $-858K | -5.33% | 4.63% | 0.00% |
| Q4 2024 | $46.6M | $7.9M | $9.6M | $37.9M | $-589K | -1.26% | 1.09% | 0.00% |
Loan mix (Q2 2026): real estate $161.0M · commercial $25.6M · consumer $292K · securities $84.6M
| Ratio | Integrity Bank SSB | Trend (7q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.47% | 1.24% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | 3.6% | 11.9% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.20% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.3% | 62.9% | 75th |
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 SSB | Trend (7q) | 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 SSB | Trend (7q) | 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 SSB | Trend (7q) | 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 SSB | Trend (7q) | 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.