PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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