Houston, TX · Cert 59342 · Integrity Bcorp Inc.
State charter, Fed member · FED · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
82
Asset Quality
100
Profitability
29
Liquidity
92
Efficiency
27
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.
Houston, TX · Cert 59342 · Integrity Bcorp Inc.
State charter, Fed member · FED · 1 branch
Q2 2026
Market Position · Houston-Pasadena-The Woodlands, TX · 2026 SOD (annual) · 0.1% share · #58 of 107 inst. · $0.3B of $360.4B
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 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|
| Earnings | |||||||||
| Return on Assets | -1.26% | -5.33% | -3.84% | -2.45% | -1.33% | 0.44% | 0.47% | +431 bps | |
| Return on Equity | -1.55% | -9.16% | -8.20% | -6.47% | -4.92% | 3.44% | 3.60% | +1,180 bps | |
| Net Interest Margin | 1.25% | 4.13% | 3.73% | 3.49% | 2.62% | 4.25% | 4.11% | +37 bps | |
| Efficiency Ratio | 239% | 185.07% | 144.20% | 123.31% | 101.76% | 76.98% | 73.35% | -7,085 bps | |
| Non-Interest Burden | 2.99% | 7.65% | 5.39% | 4.30% | 2.67% | 3.26% | 3.01% | -239 bps | |
| Growth | |||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | 545% | 280% | 212% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 1122% | 281% | 180.74% | n/a | |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | 3192% | 513% | 308% | n/a | |
| Asset Quality | |||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.50% | 1.49% | 1.45% | 1.48% | 1.48% | 1.51% | 1.49% | +4 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||||
| Tier 1 Leverage Ratio | 117.66% | 57.81% | 36.80% | 28.77% | 18.01% | 13.39% | 14.48% | -2,232 bps | |
| Total Risk-Based Capital | 220% | 80.37% | 49.89% | 37.69% | 33.78% | 27.20% | 24.92% | -2,496 bps | |
| Equity / Assets | 81.32% | 45.09% | 33.39% | 23.74% | 12.97% | 12.58% | 13.62% | -1,978 bps | |
| Liquidity & Funding | |||||||||
| Loans / Deposits | 122.62% | 84.37% | 92.51% | 75.41% | 45.51% | 52.41% | 63.73% | -2,878 bps | |
| Liquid Assets / Assets | 50.32% | 48.97% | 36.16% | 40.64% | 34.91% | 21.84% | 19.46% | -1,670 bps | |
| CRE / Total Capital | n/a | n/a | n/a | 187.46% | 233% | 268% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.44% | 0.87% | 1.20% | 1.65% | Beats 12% | 185 / 211 | ||
| Return on Equity | 3.23% | 7.52% | 11.67% | 14.58% | Beats 10% | 190 / 211 | ||
| Net Interest Margin | 4.11% | 3.28% | 3.82% | 4.31% | Beats 65% | 73 / 211 | ||
| Efficiency Ratio | 73.35% | 53.01% | 64.18% | 73.65% | Beats 27% | 156 / 211 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.01% | 0.30% | 1.10% | Beats 100% | 44 / 208 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | Beats 100% | 43 / 208 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 23.67% | 11.72% | 14.45% | 19.57% | Beats 83% | 35 / 211 | ||
| Total Risk-Based Capital Ratio | 24.92% | 11.94% | 14.78% | 20.30% | Beats 83% | 35 / 211 | ||
| Equity / Assets | 13.62% | 9.41% | 11.06% | 12.94% | Beats 79% | 44 / 211 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 63.73% | 45.39% | 66.56% | 82.03% | 45th pctl | 114 / 208 | ||
| Loans / Assets | 54.89% | 39.13% | 56.90% | 70.46% | 43rd pctl | 120 / 211 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||