BlastPoint's Banking Scorecard

Integrity Bank SSB

$100M-$1B Specialty: Commercial TX FDIC cert 59342

Houston, TX

2664 banks in the $100M-$1B peer group nationally 219 in TX

Integrity Bank SSB has 4 strengths but faces 3 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

+ Delinquency Rate 0.89% below tier average
+ Non-Interest-Bearing Deposit Share 32.08% above tier average
+ Nonperforming Asset Ratio 0.64% below tier average
+ Net Interest Margin 0.21% above tier average

Key Concerns

Areas that may need attention

- Non-Interest Income / Assets 0.27% below tier average
- ROA 0.83% below tier average
- Efficiency Ratio 11.69% above tier average

Get updates when Integrity Bank SSB releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$312.2M +280.0% YoY +3.8% QoQ	-$73.9M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	48%
Total Loans ?	$140.4M +280.9% YoY +20.1% QoQ	-$115.3M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	33%
Total Deposits ?	$272.1M +513.3% YoY +4.3% QoQ	-$55.9M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	50%
Return on Assets ?	0.44% +108.3% YoY +133.1% QoQ	-0.83%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	Bottom 11.8% in tier
Net Interest Margin ?	4.14% -10.7% YoY -3.7% QoQ	+0.21%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	65%
Efficiency Ratio ?	76.98% -58.4% YoY -24.4% QoQ	+11.69%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	20%
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	51.62% -37.9% YoY +15.1% QoQ	-25.02%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	Top 10.9% in tier
Non-Interest-Bearing Deposit Share ?	54.10% +49.1% YoY +14.3% QoQ	+32.08%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	Top 1.2% in tier
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	25.95% -67.2% YoY -20.2% QoQ	+10.12%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	Top 5.7% in tier
Non-Interest Income / Assets ?	0.01% +163.2% YoY -35.8% QoQ	-0.27%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	Bottom 1.1% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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 (0)

No matched concern signatures this quarter

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (5 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

Non-Interest-Bearing Deposit Share

funding

Value: 54.10%

Peer Median: 22.02%

#32 of 2664 Top 1.2% in $100M-$1B

152

Tier 1 Capital Ratio

capital

Value: 25.95%

Peer Median: 15.83%

#152 of 2664 Top 5.7% in $100M-$1B

291

Loan-to-Deposit Ratio

liquidity

Value: 51.62%

Peer Median: 76.64%

#291 of 2664 Top 10.9% in $100M-$1B

Top Weaknesses (3 metrics)

2635

Non-Interest Income / Assets

revenue_mix

Value: 0.01%

Peer Median: 0.28%

#2635 of 2664 Bottom 1.1% in $100M-$1B

2351

Return on Assets

profitability

Value: 0.44%

Peer Median: 1.27%

#2351 of 2664 Bottom 11.8% in $100M-$1B

2144

Efficiency Ratio

profitability

Value: 76.98%

Peer Median: 65.29%

#2144 of 2664 Bottom 19.6% in $100M-$1B