BlastPoint's Banking Scorecard
Integrity Bank & Trust
Monument, CO
6 branches across CO
Integrity Bank & Trust has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.07% above tier average
- + Efficiency Ratio 0.26% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 42.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$452.9M
+13.8% YoY
+1.7% QoQ
|
+$66.8M |
$386.1M
+0.5% YoY
|
$1.3B
+9.7% YoY
|
$6.2B
+9.1% YoY
|
68% |
| Total Loans ? |
$339.3M
+11.8% YoY
-2.8% QoQ
|
+$83.6M |
$255.7M
+1.1% YoY
|
$851.2M
+6.5% YoY
|
$3.2B
+10.8% YoY
|
73% |
| Total Deposits ? |
$367.2M
+5.4% YoY
+1.3% QoQ
|
+$39.2M |
$328.0M
+0.1% YoY
|
$1.1B
+5.2% YoY
|
$4.8B
+8.2% YoY
|
66% |
| Return on Assets ? |
0.84%
-17.3% YoY
-28.8% QoQ
|
-0.43% |
1.27%
+12.9% YoY
|
0.93%
+11.9% YoY
|
1.23%
+13.4% YoY
|
28% |
| Net Interest Margin ? |
4.00%
-0.3% YoY
-6.1% QoQ
|
+0.07% |
3.93%
+6.0% YoY
|
3.99%
+5.0% YoY
|
3.89%
+5.7% YoY
|
57% |
| Efficiency Ratio ? |
65.02%
-1.9% YoY
+5.1% QoQ
|
-0.26% |
65.29%
-4.5% YoY
|
74.00%
-3.2% YoY
|
66.95%
-4.1% YoY
|
45% |
| Delinquency Rate ? |
0.89%
+101.7% YoY
-3.1% QoQ
|
+0.00% |
0.89%
+18.8% YoY
|
0.67%
-8.3% YoY
|
0.95%
+18.8% YoY
|
31% |
| Loan-to-Deposit Ratio ? |
92.41%
+6.0% YoY
-4.1% QoQ
|
+15.78% |
76.64%
+0.8% YoY
|
78.09%
+0.7% YoY
|
76.70%
+0.9% YoY
|
20% |
| Non-Interest-Bearing Deposit Share ? |
23.74%
-16.1% YoY
-8.6% QoQ
|
+1.72% |
22.02%
-1.0% YoY
|
23.93%
-3.2% YoY
|
22.01%
-1.2% YoY
|
62% |
| Nonperforming Asset Ratio ? |
0.92%
+46.8% YoY
-5.9% QoQ
|
+0.28% |
0.64%
+19.7% YoY
|
0.50%
-1.2% YoY
|
0.67%
+19.3% YoY
|
22% |
| Tier 1 Capital Ratio ? |
12.80%
+1.7% YoY
+4.4% QoQ
|
-3.03% |
15.83%
+1.5% YoY
|
21.66%
+2.9% YoY
|
17.06%
+0.8% YoY
|
45% |
| Non-Interest Income / Assets ? |
0.10%
-6.2% YoY
-80.2% QoQ
|
-0.18% |
0.28%
+9.3% YoY
|
0.26%
+10.8% YoY
|
0.32%
+4.1% YoY
|
50% |
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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 (1)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.