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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 0.47%, 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.

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

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%

Year to date, annualized, through each quarter.

MetricQ4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
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 Margin1.25%4.13%3.73%3.49%2.62%4.25%4.11%+37 bps
Efficiency Ratio239%185.07%144.20%123.31%101.76%76.98%73.35%-7,085 bps
Non-Interest Burden2.99%7.65%5.39%4.30%2.67%3.26%3.01%-239 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