Integrity Bank
Fowler, KS · Cert 13450 · Peer group: banks under $1B in assets in KS (n=98) · FSB Bankshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
$99.7MAssets
$32.8MLoans
$89.2MDeposits
$9.2MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in KS (rank 17 of 98).
- Widest gap: efficiency ratio trails 80% of banks under $1B in assets in KS (rank 79 of 98).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.10%
Rank 67 of 98
Net Interest Margin
3.72%
Rank 37 of 98
Efficiency Ratio
66.21%
Rank 79 of 98
Equity / Assets
9.22%
Rank 69 of 98
Non-interest income vs. expense
Unfavorable gap of $2.4M · efficiency ratio beats 20% of banks under $1B in assets in KS | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.10% | 1.03% | 1.24% | 1.54% | Beats 32% | 67 / 98 | | |
| Return on Equity | 11.92% | 8.85% | 11.58% | 14.73% | Beats 56% | 43 / 98 | | |
| Net Interest Margin | 3.72% | 3.24% | 3.62% | 3.91% | Beats 62% | 37 / 98 | | |
| Efficiency Ratio | 66.21% | 51.87% | 58.88% | 64.74% | Beats 20% | 79 / 98 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.01% | 0.33% | 1.05% | Beats 100% | 17 / 98 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.03% | Beats 100% | 36 / 98 | | |
| Capital |
| Tier 1 Capital Ratio | 25.46% | 11.81% | 13.71% | 17.33% | Beats 91% | 9 / 98 | | |
| Total Risk-Based Capital Ratio | 26.34% | 11.81% | 14.13% | 17.45% | Beats 92% | 8 / 98 | | |
| Equity / Assets | 9.22% | 8.60% | 11.34% | 13.10% | Beats 30% | 69 / 98 | | |
| Liquidity & Funding |
| Loans / Deposits | 36.71% | 57.09% | 69.84% | 82.47% | 4th pctl | 94 / 98 | | |
| Loans / Assets | 32.86% | 49.34% | 58.31% | 68.94% | 4th pctl | 94 / 98 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |