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 | |