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
Unfavorable gap of $9.6M · efficiency ratio beats 27% of banks under $1B in assets in TX | 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 |