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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 1.13%, up 12 bps year over year; NIM at 3.72%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.08%.
  • 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 (YTD, annualized)

1.13%+12 bps YoY

Net Interest Margin (YTD, annualized)

3.72%-31 bps YoY

Efficiency Ratio (YTD, annualized)

66.21%-455 bps YoY

Tier 1 Leverage Ratio

10.33%-74 bps YoY

NIM

3.89%Q2 ’244.73%Q2 ’254.52%Q2 ’26+30%-8%

Non-interest income vs. expense

3.08%Q2 ’243.07%Q2 ’252.59%Q2 ’26+1%-13%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.65%0.84%0.80%1.01%1.09%1.05%1.14%1.13%+12 bps
Return on Equity7.48%9.67%9.05%11.02%11.54%10.96%12.14%12.08%+105 bps
Net Interest Margin3.20%3.30%3.88%4.02%3.99%3.88%3.69%3.72%-31 bps
Efficiency Ratio81.57%76.22%74.32%70.76%69.30%70.20%66.74%66.21%-455 bps
Non-Interest Burden2.55%2.44%2.81%2.76%2.67%2.63%2.39%2.39%-36 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-0.06%-0.05%0.00%0.00%0.00%0.09%-0.04%-0.08%-8 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