Monument, CO · Cert 57587 · Integrity Capital Holdings Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
35
Asset Quality
31
Profitability
48
Liquidity
30
Efficiency
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.
Monument, CO · Cert 57587 · Integrity Capital Holdings Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
Market Position · Colorado Springs, CO · 2026 SOD (annual) · 3.5% share · #6 of 41 inst. · $0.4B of $10.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.06% | 0.93% | 1.01% | 1.11% | 1.17% | 1.17% | 0.84% | 0.91% | -21 bps | |
| Return on Equity | 12.51% | 11.04% | 12.29% | 13.79% | 14.57% | 14.54% | 9.84% | 10.52% | -328 bps | |
| Net Interest Margin | 3.87% | 3.79% | 3.95% | 3.82% | 3.82% | 3.81% | 3.79% | 3.89% | +7 bps | |
| Efficiency Ratio | 65.62% | 67.30% | 66.26% | 63.34% | 60.98% | 61.88% | 65.02% | 64.78% | +144 bps | |
| Non-Interest Burden | 2.36% | 2.39% | 2.46% | 2.25% | 2.12% | 2.17% | 2.32% | 2.38% | +13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.61% | 10.48% | 15.51% | 25.73% | 21.93% | 16.19% | 13.80% | 4.81% | -2,092 bps | |
| Loan Growth (YoY) | 9.50% | 15.09% | 23.82% | 32.51% | 35.44% | 27.43% | 11.81% | 1.42% | -3,110 bps | |
| Deposit Growth (YoY) | 6.38% | 20.52% | 18.90% | 27.92% | 17.43% | 4.93% | 5.41% | -1.33% | -2,926 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.38% | 0.42% | 0.44% | 0.40% | 0.78% | 0.91% | 0.88% | 0.54% | +14 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.12% | -0.09% | -0.04% | -0.03% | -0.01% | 0.38% | 0.18% | +23 bps | |
| Allowance / Loans | 1.21% | 1.14% | 1.07% | 0.98% | 1.05% | 1.07% | 1.12% | 1.16% | +18 bps | |
| Allowance Coverage of NPLs | 3.2x | 2.7x | 2.4x | 2.5x | 1.3x | 1.2x | 1.3x | 2.2x | -0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.32% | 9.18% | 9.13% | 8.56% | 8.32% | 8.34% | 8.95% | 9.11% | +55 bps | |
| Total Risk-Based Capital | 14.47% | 14.01% | 13.79% | 12.63% | 12.82% | 13.50% | 14.03% | 13.85% | +123 bps | |
| Equity / Assets | 8.61% | 8.21% | 8.22% | 7.76% | 7.92% | 8.26% | 8.72% | 8.84% | +107 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.97% | 80.22% | 88.10% | 91.17% | 95.70% | 97.42% | 93.46% | 93.71% | +254 bps | |
| Liquid Assets / Assets | 7.44% | 7.30% | 3.27% | 3.94% | 4.07% | 3.66% | 7.71% | 7.88% | +394 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 440% | 427% | 393% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.89% | 0.72% | 1.06% | 1.45% | Beats 37% | 467 / 746 | ||
| Return on Equity | 10.09% | 6.74% | 10.51% | 13.63% | Beats 47% | 395 / 746 | ||
| Net Interest Margin | 3.89% | 3.17% | 3.68% | 4.16% | Beats 60% | 295 / 746 | ||
| Efficiency Ratio | 64.78% | 55.74% | 64.58% | 75.47% | Beats 50% | 377 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.54% | 0.09% | 0.42% | 1.07% | Beats 45% | 412 / 743 | ||
| Net Charge-Offs / Loans | 0.09% | 0.00% | 0.01% | 0.05% | Beats 16% | 625 / 743 | n/a | |
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.61% | 11.55% | 13.75% | 17.60% | Beats 37% | 470 / 746 | ||
| Total Risk-Based Capital Ratio | 13.85% | 11.71% | 14.33% | 18.43% | Beats 45% | 411 / 746 | ||
| Equity / Assets | 8.84% | 8.90% | 10.51% | 13.06% | Beats 24% | 569 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 93.71% | 61.31% | 78.27% | 90.78% | 81st pctl | 143 / 746 | ||
| Loans / Assets | 75.98% | 53.60% | 66.97% | 76.08% | 75th pctl | 190 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||