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Integrity Bank & Trust

$100M-$1B Specialty: Commercial CO FDIC cert 57587

Monument, CO

6 branches across CO

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 49 in CO.
  • Deposits -1.3% year over year ($372.6M on the books).
  • Delinquency rate 0.54%.
  • Return on assets 0.91%.
  • Efficiency ratio 64.78% vs a 64.48% peer average.
  • Loan-to-deposit ratio 92.63% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 49 in CO
View $100M-$1B leaderboard (CO) →

Integrity Bank & Trust has 2 strengths but faces 6 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 0.11% above tier average
  • + Delinquency Rate 0.38% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 2.9% in tier
  • - Deposit Outflow: Bottom 8.6% in tier
  • - Liquidity Strain: Bottom 11.9% in tier
  • - Margin Compression: Bottom 21.2% in tier
  • - Credit Quality Pressure: Bottom 34.4% in tier
  • - Efficiency Ratio 0.30% above tier average
Get updates when Integrity Bank & Trust releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
Total Assets ? $459.6M
+4.8% YoY +1.5% QoQ
+$73.0M $386.6M
+1.2% YoY
$898.3M
+8.6% YoY
$6.3B
+7.7% YoY
68%
Total Loans ? $345.1M
+1.2% YoY +1.7% QoQ
+$86.8M $258.3M
+1.7% YoY
$631.7M
+11.0% YoY
$3.2B
+9.4% YoY
73%
Total Deposits ? $372.6M
-1.3% YoY +1.5% QoQ
+$45.9M $326.7M
+0.7% YoY
$762.3M
+8.8% YoY
$4.9B
+7.3% YoY
66%
Return on Assets ? 0.91%
-18.5% YoY +8.3% QoQ
-0.42% 1.32%
+10.8% YoY
0.96%
+10.1% YoY
1.30%
+12.1% YoY
29%
Net Interest Margin ? 4.09%
-0.2% YoY +2.2% QoQ
+0.11% 3.99%
+5.0% YoY
4.06%
+4.0% YoY
3.95%
+4.9% YoY
58%
Efficiency Ratio ? 64.78%
+2.3% YoY -0.4% QoQ
+0.30% 64.48%
-3.2% YoY
73.51%
-1.0% YoY
70.05%
+2.5% YoY
43%
Delinquency Rate ? 0.54%
+34.7% YoY -38.9% QoQ
-0.38% 0.92%
+15.7% YoY
0.85%
+17.5% YoY
0.98%
+16.3% YoY
44%
Loan-to-Deposit Ratio ? 92.63%
+2.6% YoY +0.2% QoQ
+14.68% 77.95%
+1.0% YoY
78.96%
+0.3% YoY
79.03%
+2.3% YoY
21%
Non-Interest-Bearing Deposit Share ? 25.01%
-24.6% YoY +5.4% QoQ
+2.98% 22.03%
-0.6% YoY
23.50%
-1.8% YoY
21.98%
-0.6% YoY
66%
Nonperforming Asset Ratio ? 0.66%
+14.2% YoY -28.4% QoQ
-0.01% 0.67%
+16.4% YoY
0.49%
-10.9% YoY
0.69%
+15.8% YoY
32%
Tier 1 Capital Ratio ? 12.61%
+9.4% YoY -1.5% QoQ
-3.30% 15.91%
+1.4% YoY
19.30%
-20.6% YoY
17.09%
+0.8% YoY
43%
Non-Interest Income / Assets ? 0.19%
-10.6% YoY +91.5% QoQ
-0.38% 0.57%
+7.6% YoY
0.55%
+12.7% YoY
0.66%
+5.2% YoY
46%

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 (CO) National Avg Tier Percentile
Noninterest-Bearing 25.0%
-8.2pp YoY
+1.3pp QoQ
 +2.9pp 22.1% 23.5% 22.2% 66%
Brokered Deposits 10.5%
-4.0pp YoY
-1.8pp QoQ
 +2.7pp 7.9% 7.4% 8.5% 76%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
C&I 12.1%
+1.3pp YoY
+0.1pp QoQ
 +0.5pp 11.6% 8.4% 12.5% 64%
CRE 48.4%
-0.5pp YoY
+1.9pp QoQ
 +8.8pp 39.5% 42.8% 41.4% 68%
1-4 Family 40.8%
-0.5pp YoY
-1.9pp QoQ
 +8.2pp 32.6% 33.0% 31.3% 71%
Consumer 0.2%
0.0pp YoY
0.0pp QoQ
 -3.9pp 4.1% 3.9% 5.0% 8%

Capital

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
CET1 Ratio 12.6%
+1.1pp YoY
-0.2pp QoQ
 -6.2pp 18.8% 24.9% 19.7% 23%
Leverage Ratio 9.1%
+0.5pp YoY
+0.2pp QoQ
 -3.1pp 12.2% 12.5% 12.6% 14%
Total Capital Ratio 13.9%
+1.2pp YoY
-0.2pp QoQ
 -6.1pp 19.9% 26.1% 20.8% 24%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
Full-Time Employees 63
+2 (+3.3%) YoY
-1 (-1.6%) QoQ
 +4 58 107 482 66%
Assets per Employee ($) $7.3M
+1.5% YoY
+3.1% QoQ
 -$224K $7.5M $7.8M $8.8M 57%
Branch Count 6
+1 (+20.0%) YoY
0 QoQ
 +1 4 7 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.7% 0.4% n/a
Nonaccrual 0.5%
+0.1pp YoY
-0.3pp QoQ
 -0.4pp 0.9% 0.8% 1.0% 55%
Allowance Coverage 2.16x
-12.2% YoY
+69.5% QoQ
 -21.99x 24.15x 12.16x 20.23x 50%
Net Charge-off Rate (YTD) 0.2%
+0.2pp YoY
-0.2pp QoQ
 0.0pp 0.1% 0.1% 0.2% 84%

Profitability

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
ROE 10.5%
-3.3pp YoY
+0.7pp QoQ
 -1.7pp 12.2% 9.7% 11.6% 40%
Cost of Funds (YTD) 2.0%
+0.1pp YoY
-0.1pp QoQ
 +0.3pp 1.7% 1.7% 1.7% 72%
Net Income ($, YTD) $2.0M
-9.3% YoY
— QoQ
 -$507K $2.6M $5.4M $40.4M 53%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (5)

Credit Risk Growth

risk
#28 of 936 • Bottom 2.9% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Deposit Outflow

decline
#47 of 535 • Bottom 8.6% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ

Liquidity Strain

risk
#83 of 691 • Bottom 11.9% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 92.63%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

Margin Compression

decline
#66 of 307 • Bottom 21.2% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 0.91%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk
#433 of 1256 • Bottom 34.4% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.54%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (1 metrics)

2086
Loan-to-Deposit Ratio
liquidity
Value: 92.63%
Peer Median: 77.95%
#2086 of 2643 Bottom 21.1% in $100M-$1B
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