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Integrity Bank SSB

Houston, TX · Cert 59342 · Integrity Bcorp Inc.

State charter, Fed member · FED · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in TX3

Basis

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.

Peer group

Banks under $1B in assets in TX (n=208 to 211). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

82

Q4 2024Q2 2026peer median (50)

Asset Quality

100

Q4 2024Q2 2026peer median (50)

Profitability

29

Q4 2024Q2 2026peer median (50)

Liquidity

92

Q4 2024Q2 2026peer median

Efficiency

27

Q4 2024Q2 2026peer median (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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Integrity Bank SSB

Houston, TX · Cert 59342 · Integrity Bcorp Inc.

State charter, Fed member · FED · 1 branch

Q2 2026

$339.6MAssets
$186.4MLoans
$292.5MDeposits
$46.2MEquity
Loan mix
84%RE $120.2M16%C&I $22.4M0%Consumer $0.4MQ2 2025Q2 2026
Deposit mix
52%Interest-bearing $150.9M48%Noninterest $141.6MQ2 2025Q2 2026

NIM

1.30%Q4 ’244.78%Q2 ’255.25%Q2 ’26+199%+10%

Non-interest income vs. expense

2.99%Q4 ’245.41%Q2 ’253.04%Q2 ’26+81%-44%

Market Position · Houston-Pasadena-The Woodlands, TX · 2026 SOD (annual) · 0.1% share · #58 of 107 inst. · $0.3B of $360.4B

Executive Summary

  • Earnings: ROA of 0.47%, up 431 bps year over year; NIM at 4.11%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 14.48%, down 2,232 bps from a year ago.
  • Funding: loans stand at 63.73% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.47%+431 bps YoY

Net Interest Margin (YTD, annualized)

4.11%+37 bps YoY

Efficiency Ratio (YTD, annualized)

73.35%-7,085 bps YoY

Tier 1 Leverage Ratio

14.48%-2,232 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-3.84%-2.45%-1.33%0.44%0.47%+431 bps
Return on Equity-8.20%-6.47%-4.92%3.44%3.60%+1,180 bps
Net Interest Margin3.73%3.49%2.62%4.25%4.11%+37 bps
Efficiency Ratio144.20%123.31%101.76%76.98%73.35%-7,085 bps
Non-Interest Burden5.39%4.30%2.67%3.26%3.01%-239 bps
Growth
Asset Growth (YoY)n/an/a545%280%212%n/a
Loan Growth (YoY)n/an/a1122%281%180.74%n/a
Deposit Growth (YoY)n/an/a3192%513%308%n/a
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.45%1.48%1.48%1.51%1.49%+4 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio36.80%28.77%18.01%13.39%14.48%-2,232 bps
Total Risk-Based Capital49.89%37.69%33.78%27.20%24.92%-2,496 bps
Equity / Assets33.39%23.74%12.97%12.58%13.62%-1,978 bps
Liquidity & Funding
Loans / Deposits92.51%75.41%45.51%52.41%63.73%-2,878 bps
Liquid Assets / Assets36.16%40.64%34.91%21.84%19.46%-1,670 bps
CRE / Total Capitaln/a187.46%233%268%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Integrity Bank SSB

Houston, TX · Cert 59342 · Peer group: banks under $1B in assets in TX (n=208-211) · Integrity Bcorp Inc.

State charter, Fed member · FED · 1 branch

Q2 2026

$339.6MAssets
$186.4MLoans
$292.5MDeposits
$46.2MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in TX (rank 44 of 208).
  • Widest gap: return on equity trails 90% of banks under $1B in assets in TX (rank 190 of 211).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

0.44%

Rank 185 of 211

Net Interest Margin

4.11%

Rank 73 of 211

Efficiency Ratio

73.35%

Rank 156 of 211

Equity / Assets

13.62%

Rank 44 of 211

Non-interest income vs. expense

$0.1M$9.7MINCOMEEXPENSE
Unfavorable gap of $9.6M · efficiency ratio beats 27% of banks under $1B in assets in TX
Bank 73.35%Peer median 64.2%Q4 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.44%0.87%1.20%1.65%Beats 12%185 / 211
Return on Equity3.23%7.52%11.67%14.58%Beats 10%190 / 211
Net Interest Margin4.11%3.28%3.82%4.31%Beats 65%73 / 211
Efficiency Ratio73.35%53.01%64.18%73.65%Beats 27%156 / 211
Asset Quality
Nonperforming Loans / Loans0.00%0.01%0.30%1.10%Beats 100%44 / 208
Net Charge-Offs / Loans0.00%0.00%0.01%0.06%Beats 100%43 / 208
Capital
Tier 1 Capital Ratio23.67%11.72%14.45%19.57%Beats 83%35 / 211
Total Risk-Based Capital Ratio24.92%11.94%14.78%20.30%Beats 83%35 / 211
Equity / Assets13.62%9.41%11.06%12.94%Beats 79%44 / 211
Liquidity & Funding
Loans / Deposits63.73%45.39%66.56%82.03%45th pctl114 / 208
Loans / Assets54.89%39.13%56.90%70.46%43rd pctl120 / 211
Brokered Deposits / Depositsn/aNot reported for this institution