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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.22% | 1.26% | 1.17% | 0.84% | 0.97% | -24 bps | |
| Return on Equity | 15.24% | 16.04% | 14.46% | 9.84% | 11.09% | -416 bps | |
| Net Interest Margin | 4.05% | 4.25% | 4.05% | 3.79% | 4.01% | -4 bps | |
| Efficiency Ratio | 60.76% | 57.17% | 64.43% | 65.02% | 64.54% | +378 bps | |
| Non-Interest Burden | 2.26% | 2.11% | 2.45% | 2.32% | 2.45% | +19 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 / Loans | 0.40% | 0.78% | 0.91% | 0.88% | 0.54% | +14 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.05% | 0.38% | 0.00% | 0 bps | |
| Allowance / Loans | 0.98% | 1.05% | 1.07% | 1.12% | 1.16% | +18 bps | |
| Allowance Coverage of NPLs | 2.5x | 1.3x | 1.2x | 1.3x | 2.2x | -0.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.56% | 8.32% | 8.34% | 8.95% | 9.11% | +55 bps | |
| Total Risk-Based Capital | 12.63% | 12.82% | 13.50% | 14.03% | 13.85% | +123 bps | |
| Equity / Assets | 7.76% | 7.92% | 8.26% | 8.72% | 8.84% | +107 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 91.17% | 95.70% | 97.42% | 93.46% | 93.71% | +254 bps | |
| Liquid Assets / Assets | 3.94% | 4.07% | 3.66% | 7.71% | 7.88% | +394 bps | |
| CRE / Total Capital | n/a | 440% | 427% | 393% | n/a | n/a | |