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Integrity Bank

Fowler, KS · Cert 13450 · FSB Bankshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$99.7MAssets
$32.8MLoans
$89.2MDeposits
$9.2MEquity
Loan mix
56%RE $12.2M42%C&I $9.1M2%Consumer $0.5MQ3 2024Q2 2026
Deposit mix
54%Interest-bearing $47.8M46%Noninterest $41.4MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.11%, down 9 bps year over year; NIM at 3.78%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.12%.
  • Capital: tier 1 leverage ratio of 10.33%, down 74 bps from a year ago.
  • Funding: loans stand at 36.71% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

1.11%-9 bps YoY

Net Interest Margin (quarter, annualized)

3.78%-26 bps YoY

Efficiency Ratio (quarter, annualized)

65.71%-153 bps YoY

Tier 1 Leverage Ratio

10.33%-74 bps YoY

NIM

4.19%Q2 ’244.80%Q2 ’254.62%Q2 ’26+19%-6%

Non-interest income vs. expense

3.45%Q2 ’242.93%Q2 ’252.62%Q2 ’26-15%-8%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.03%1.37%0.80%1.19%1.25%0.94%1.14%1.11%-9 bps
Return on Equity12.12%15.22%9.05%12.90%12.59%9.27%12.14%12.25%-65 bps
Net Interest Margin4.07%4.04%3.88%4.04%4.13%3.94%3.69%3.78%-26 bps
Efficiency Ratio70.89%63.86%74.32%67.24%66.53%72.84%66.74%65.71%-153 bps
Non-Interest Burden2.79%2.46%2.81%2.61%2.65%2.79%2.39%2.41%-20 bps
Growth
Asset Growth (YoY)18.09%12.99%27.47%4.17%7.23%13.97%14.30%19.03%+1,486 bps
Loan Growth (YoY)22.75%3.08%2.87%4.60%4.05%15.59%7.15%8.45%+385 bps
Deposit Growth (YoY)33.93%40.23%39.62%2.22%6.01%12.80%14.49%19.88%+1,766 bps
Asset Quality
Nonperforming Loans / Loans0.02%0.01%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.17%0.00%0.00%0.00%0.00%0.38%-0.04%-0.12%-12 bps
Allowance / Loans1.26%1.30%1.31%1.25%1.22%1.03%1.12%1.10%-16 bps
Allowance Coverage of NPLs75.6x94.5xn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.73%10.59%10.53%11.07%11.16%11.05%10.07%10.33%-74 bps
Total Risk-Based Capital23.44%25.37%24.70%25.56%24.01%24.38%24.88%26.34%+78 bps
Equity / Assets9.15%8.87%8.87%9.66%10.26%9.99%8.86%9.22%-43 bps
Liquidity & Funding
Loans / Deposits41.66%39.98%37.35%40.58%40.88%40.97%34.95%36.71%-387 bps
Liquid Assets / Assets0.01%0.00%5.06%5.54%0.58%1.70%2.25%2.09%-345 bps
CRE / Total Capitaln/an/an/an/a38.97%39.24%38.95%n/an/a