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
Unfavorable gap of $10.7M · efficiency ratio beats 50% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 | |
| 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 |