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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 $0.4MQ4 2024Q2 2026
Deposit mix
52%Interest-bearing $150.9M48%Noninterest $141.6MQ4 2024Q2 2026

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 0.50%, up 328 bps year over year; NIM at 4.31%.
  • 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.

Return on Assets (quarter, annualized)

0.50%+328 bps YoY

Net Interest Margin (quarter, annualized)

4.31%-49 bps YoY

Efficiency Ratio (quarter, annualized)

70.06%-5,137 bps YoY

Tier 1 Leverage Ratio

14.48%-2,232 bps YoY

NIM

5.17%Q1 ’256.21%Q2 ’255.60%Q2 ’26+16%-10%

Non-interest income vs. expense

7.66%Q1 ’255.85%Q2 ’253.04%Q2 ’26-24%-48%

Discrete quarter, annualized.

MetricQ4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-1.26%-5.33%-2.78%-0.82%-0.08%0.44%0.50%+328 bps
Return on Equity-1.55%-9.16%-7.22%-2.95%-0.51%3.44%3.84%+1,106 bps
Net Interest Margin1.25%4.13%4.79%4.58%4.44%4.25%4.31%-49 bps
Efficiency Ratio239%185.07%121.43%96.54%72.46%76.98%70.06%-5,137 bps
Non-Interest Burdenn/a7.65%5.83%4.42%3.21%3.26%3.01%-282 bps
Growth
Asset Growth (YoY)n/an/an/an/a545%280%212%n/a
Loan Growth (YoY)n/an/an/an/a1122%281%180.74%n/a
Deposit Growth (YoY)n/an/an/an/a3192%513%308%n/a
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.50%1.49%1.45%1.48%1.48%1.51%1.49%+4 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio117.66%57.81%36.80%28.77%18.01%13.39%14.48%-2,232 bps
Total Risk-Based Capital220%80.37%49.89%37.69%33.78%27.20%24.92%-2,496 bps
Equity / Assets81.32%45.09%33.39%23.74%12.97%12.58%13.62%-1,978 bps
Liquidity & Funding
Loans / Deposits122.62%84.37%92.51%75.41%45.51%52.41%63.73%-2,878 bps
Liquid Assets / Assets50.32%48.97%36.16%40.64%34.91%21.84%19.46%-1,670 bps
CRE / Total Capitaln/an/an/a187.46%233%268%n/an/a