| Metric | Integrity Bank & Trust | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.8% | +4.4% | +0.4 pts |
| Deposit growth (YoY) | -1.3% | +4.0% | -5.3 pts |
| Loan growth (YoY) | +1.2% | +5.6% | -4.3 pts |
| ROA | 0.91% | 1.24% | -0.3 pts |
| ROE | 10.5% | 11.9% | -1.3 pts |
ROA ranks in the 30th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $459.6M | $372.6M | $345.1M | $40.6M | $2.0M | 0.91% | 4.09% | 0.66% |
| Q1 2026 | $452.9M | $367.2M | $339.3M | $39.5M | $938K | 0.84% | 4.00% | 0.92% |
| Q4 2025 | $445.3M | $362.3M | $349.2M | $36.8M | $5.0M | 1.17% | 4.27% | 0.98% |
| Q3 2025 | $448.1M | $368.2M | $348.6M | $35.5M | $3.7M | 1.17% | 4.23% | 0.88% |
| Q2 2025 | $438.5M | $377.6M | $340.9M | $34.0M | $2.3M | 1.11% | 4.10% | 0.58% |
| Q1 2025 | $398.0M | $348.3M | $303.6M | $32.7M | $986K | 1.01% | 4.02% | 0.63% |
| Q4 2024 | $383.2M | $345.3M | $273.8M | $31.5M | $3.3M | 0.93% | 4.10% | 0.61% |
| Q3 2024 | $367.5M | $313.5M | $257.0M | $31.7M | $2.8M | 1.06% | 4.15% | 0.58% |
Loan mix (Q2 2026): real estate $307.9M · commercial $41.7M · consumer $683K · securities $53.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Integrity Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.91% | 1.24% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 10.5% | 11.9% | 42th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.09% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.8% | 62.9% | 55th |
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 & Trust | 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 & Trust | 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 & Trust | 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 & Trust | 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.