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Integrity Bank & Trust

Monument, CO · Cert 57587 · Integrity Capital Holdings Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

35

Q2 2024Q2 2026peer median (50)

Asset Quality

31

Q2 2024Q2 2026peer median (50)

Profitability

48

Q2 2024Q2 2026peer median (50)

Liquidity

30

Q2 2024Q2 2026peer median

Efficiency

50

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Integrity Bank & Trust

Monument, CO · Cert 57587 · Integrity Capital Holdings Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$459.6MAssets
$349.2MLoans
$372.6MDeposits
$40.6MEquity
Loan mix
88%RE $302.8M12%C&I $40.7M0%Consumer $0.8MQ2 2025Q2 2026
Deposit mix
75%Interest-bearing $279.4M25%Noninterest $93.2MQ2 2025Q2 2026

NIM

5.57%Q2 ’245.60%Q2 ’255.81%Q2 ’26-4%+2%

Non-interest income vs. expense

2.90%Q2 ’242.69%Q2 ’252.76%Q2 ’26-6%+6%

Market Position · Colorado Springs, CO · 2026 SOD (annual) · 3.5% share · #6 of 41 inst. · $0.4B of $10.7B

Executive Summary

  • Earnings: ROA of 0.91%, down 21 bps year over year; NIM at 3.89%.
  • Asset quality: problem loans at 0.54% of loans (+14 bps YoY), with net charge-offs at 0.18%.
  • Capital: tier 1 leverage ratio of 9.11%, up 55 bps from a year ago.
  • Funding: loans stand at 93.71% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.91%-21 bps YoY

Net Interest Margin (YTD, annualized)

3.89%+7 bps YoY

Efficiency Ratio (YTD, annualized)

64.78%+144 bps YoY

Tier 1 Leverage Ratio

9.11%+55 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.11%1.17%1.17%0.84%0.91%-21 bps
Return on Equity13.79%14.57%14.54%9.84%10.52%-328 bps
Net Interest Margin3.82%3.82%3.81%3.79%3.89%+7 bps
Efficiency Ratio63.34%60.98%61.88%65.02%64.78%+144 bps
Non-Interest Burden2.25%2.12%2.17%2.32%2.38%+13 bps
Growth
Asset Growth (YoY)25.73%21.93%16.19%13.80%4.81%-2,092 bps
Loan Growth (YoY)32.51%35.44%27.43%11.81%1.42%-3,110 bps
Deposit Growth (YoY)27.92%17.43%4.93%5.41%-1.33%-2,926 bps
Asset Quality
Nonperforming Loans / Loans0.40%0.78%0.91%0.88%0.54%+14 bps
Net Charge-Offs / Loans-0.04%-0.03%-0.01%0.38%0.18%+23 bps
Allowance / Loans0.98%1.05%1.07%1.12%1.16%+18 bps
Allowance Coverage of NPLs2.5x1.3x1.2x1.3x2.2x-0.3x
Capital
Tier 1 Leverage Ratio8.56%8.32%8.34%8.95%9.11%+55 bps
Total Risk-Based Capital12.63%12.82%13.50%14.03%13.85%+123 bps
Equity / Assets7.76%7.92%8.26%8.72%8.84%+107 bps
Liquidity & Funding
Loans / Deposits91.17%95.70%97.42%93.46%93.71%+254 bps
Liquid Assets / Assets3.94%4.07%3.66%7.71%7.88%+394 bps
CRE / Total Capitaln/a440%427%393%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Integrity Bank & Trust

Monument, CO · Cert 57587 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Integrity Capital Holdings Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$459.6MAssets
$349.2MLoans
$372.6MDeposits
$40.6MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 60% of banks under $1B in assets operating in a single state (rank 295 of 746).
  • Widest gap: net charge-offs / loans trails 84% of banks under $1B in assets operating in a single state (rank 625 of 743).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.89%

Rank 467 of 746

Net Interest Margin

3.89%

Rank 295 of 746

Efficiency Ratio

64.78%

Rank 377 of 746

Equity / Assets

8.84%

Rank 569 of 746

Non-interest income vs. expense

$1.7M$12.4MINCOMEEXPENSE
Unfavorable gap of $10.7M · efficiency ratio beats 50% of banks under $1B in assets operating in a single state
Bank 64.78%Peer median 64.6%Q4 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.89%0.72%1.06%1.45%Beats 37%467 / 746
Return on Equity10.09%6.74%10.51%13.63%Beats 47%395 / 746
Net Interest Margin3.89%3.17%3.68%4.16%Beats 60%295 / 746
Efficiency Ratio64.78%55.74%64.58%75.47%Beats 50%377 / 746
Asset Quality
Nonperforming Loans / Loans0.54%0.09%0.42%1.07%Beats 45%412 / 743
Net Charge-Offs / Loans0.09%0.00%0.01%0.05%Beats 16%625 / 743
Capital
Tier 1 Capital Ratio12.61%11.55%13.75%17.60%Beats 37%470 / 746
Total Risk-Based Capital Ratio13.85%11.71%14.33%18.43%Beats 45%411 / 746
Equity / Assets8.84%8.90%10.51%13.06%Beats 24%569 / 746
Liquidity & Funding
Loans / Deposits93.71%61.31%78.27%90.78%81st pctl143 / 746
Loans / Assets75.98%53.60%66.97%76.08%75th pctl190 / 746
Brokered Deposits / Depositsn/aNot reported for this institution