BlastPoint's Banking Scorecard
Integrity Bank
Designations: ✓ Community bank
Fowler, KS
4 branches across KS
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 48 in KS.
- Deposits +19.9% year over year ($89.2M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.35%.
- Efficiency ratio 66.21% vs a 119.40% peer average.
- Loan-to-deposit ratio 36.31% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Integrity Bank shows strong momentum with 6 strengths and 19.0% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.48% below tier average
- + Non-Interest-Bearing Deposit Share 22.90% above tier average
- + Nonperforming Asset Ratio 0.84% below tier average
- + ROA 0.35% above tier average
- + Net Interest Margin 0.16% above tier average
- + Efficiency Ratio 53.18% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$99.7M
+19.0% YoY
+0.9% QoQ
|
+$37.3M |
$62.4M
-0.0% YoY
|
$513.9M
+7.1% YoY
|
$6.3B
+7.7% YoY
|
Top 0.4% in tier |
| Total Loans ? |
$32.4M
+8.6% YoY
+5.6% QoQ
|
-$2.5M |
$34.9M
-0.6% YoY
|
$343.7M
+7.8% YoY
|
$3.2B
+9.4% YoY
|
49% |
| Total Deposits ? |
$89.2M
+19.9% YoY
+0.5% QoQ
|
+$37.6M |
$51.6M
-0.2% YoY
|
$426.3M
+7.4% YoY
|
$4.9B
+7.3% YoY
|
Top 0.4% in tier |
| Return on Assets ? |
1.35%
+5.7% YoY
+5.8% QoQ
|
+0.35% |
1.00%
+3.5% YoY
|
1.56%
+14.6% YoY
|
1.30%
+12.1% YoY
|
70% |
| Net Interest Margin ? |
4.08%
-8.4% YoY
-0.1% QoQ
|
+0.16% |
3.91%
+2.3% YoY
|
3.99%
+4.5% YoY
|
3.95%
+4.9% YoY
|
60% |
| Efficiency Ratio ? |
66.21%
-6.4% YoY
-0.8% QoQ
|
-53.18% |
119.40%
+49.6% YoY
|
60.13%
-4.7% YoY
|
70.05%
+2.5% YoY
|
61% |
| Delinquency Rate ? | 0.00% | -1.48% |
1.48%
+31.8% YoY
|
0.82%
+9.9% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
36.31%
-9.4% YoY
+5.1% QoQ
|
-37.90% |
74.21%
+12.6% YoY
|
72.94%
+0.4% YoY
|
79.03%
+2.3% YoY
|
Top 13.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
46.39%
-3.1% YoY
-26.0% QoQ
|
+22.90% |
23.49%
+0.6% YoY
|
22.01%
-1.4% YoY
|
21.98%
-0.6% YoY
|
Top 3.9% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.84% |
0.84%
+23.0% YoY
|
0.53%
+8.8% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
25.46%
+3.6% YoY
+5.9% QoQ
|
-1.66% |
27.13%
+3.0% YoY
|
17.75%
-1.2% YoY
|
17.09%
+0.8% YoY
|
79% |
| Non-Interest Income / Assets ? |
0.10%
-36.7% YoY
+104.2% QoQ
|
-1.28% |
1.38%
+6.3% YoY
|
0.59%
-1.1% YoY
|
0.66%
+5.2% YoY
|
40% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
46.4%
-1.5pp YoY -16.3pp QoQ |
+21.7pp | 24.6% | 22.3% | 22.2% | 96% |
| Brokered Deposits | n/a | n/a | 9.8% | 8.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
31.3%
+9.2pp YoY +1.4pp QoQ |
+17.9pp | 13.4% | 12.6% | 12.5% | 92% |
| CRE | n/a | n/a | 25.2% | 28.8% | 41.4% | n/a |
| 1-4 Family |
6.7%
0.0pp YoY +0.7pp QoQ |
-28.3pp | 35.0% | 26.7% | 31.3% | 16% |
| Consumer |
1.4%
-0.5pp YoY -0.1pp QoQ |
-6.3pp | 7.7% | 4.6% | 5.0% | 15% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
25.5%
+0.9pp YoY +1.4pp QoQ |
-13.2pp | 38.7% | 23.3% | 19.7% | 64% |
| Leverage Ratio |
10.3%
-0.7pp YoY +0.3pp QoQ |
-7.4pp | 17.7% | 12.6% | 12.6% | 22% |
| Total Capital Ratio |
26.3%
+0.8pp YoY +1.5pp QoQ |
-13.3pp | 39.7% | 24.4% | 20.8% | 64% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
16
0 YoY 0 QoQ |
+4 | 12 | 70 | 482 | 77% |
| Assets per Employee ($) |
$6.2M
+19.0% YoY +0.9% QoQ |
+$43K | $6.2M | $7.1M | $8.8M | 55% |
| Branch Count |
4
0 YoY 0 QoQ |
+2 | 1 | 6 | 18 | 96% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.4% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 1.7% | 0.8% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 6.41x | 22.44x | 20.23x | n/a |
| Net Charge-off Rate (YTD) |
-0.1%
0.0pp QoQ |
-0.2pp | 0.2% | 0.1% | 0.2% | 10% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.5%
+0.5pp YoY +0.9pp QoQ |
+8.1pp | 6.4% | 14.3% | 11.6% | 82% |
| Cost of Funds (YTD) |
0.9%
+0.1pp YoY 0.0pp QoQ |
-0.5pp | 1.4% | 1.6% | 1.7% | 20% |
| Net Income ($, YTD) |
$656,000
+22.4% YoY — QoQ |
+$338K | $317,817 | $3.7M | $40.4M | 86% |
Get Full Access to Integrity Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.