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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| 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 Margin | 3.73% | 3.49% | 2.62% | 4.25% | 4.11% | +37 bps | |
| Efficiency Ratio | 144.20% | 123.31% | 101.76% | 76.98% | 73.35% | -7,085 bps | |
| Non-Interest Burden | 5.39% | 4.30% | 2.67% | 3.26% | 3.01% | -239 bps | |
| Growth | |||||||
| Asset Growth (YoY) | n/a | n/a | 545% | 280% | 212% | n/a | |
| Loan Growth (YoY) | n/a | n/a | 1122% | 281% | 180.74% | n/a | |
| Deposit Growth (YoY) | 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 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | 36.80% | 28.77% | 18.01% | 13.39% | 14.48% | -2,232 bps | |
| Total Risk-Based Capital | 49.89% | 37.69% | 33.78% | 27.20% | 24.92% | -2,496 bps | |
| Equity / Assets | 33.39% | 23.74% | 12.97% | 12.58% | 13.62% | -1,978 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 92.51% | 75.41% | 45.51% | 52.41% | 63.73% | -2,878 bps | |
| Liquid Assets / Assets | 36.16% | 40.64% | 34.91% | 21.84% | 19.46% | -1,670 bps | |
| CRE / Total Capital | n/a | 187.46% | 233% | 268% | n/a | n/a | |