BlastPoint's Banking Scorecard

Integrity Bank SSB

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

Houston, TX

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 219 in TX.
Deposits +307.5% year over year ($292.5M on the books).
Delinquency rate 0.00%.
Return on assets 0.47%.
Efficiency ratio 73.35% vs a 64.48% peer average.
Loan-to-deposit ratio 62.78% 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 219 in TX

View $100M-$1B leaderboard (TX) →

Integrity Bank SSB has 4 strengths but faces 4 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 0.92% below tier average
+ Non-Interest-Bearing Deposit Share 26.37% above tier average
+ Nonperforming Asset Ratio 0.67% below tier average
+ Net Interest Margin 0.21% above tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 44.6% in tier
- Non-Interest Income / Assets 0.55% below tier average
- ROA 0.85% below tier average
- Efficiency Ratio 8.87% above tier average

Get updates when Integrity Bank SSB releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$339.6M +211.7% YoY +8.8% QoQ	-$47.0M	$386.6M +1.2% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	52%
Total Loans ?	$183.6M +180.6% YoY +30.7% QoQ	-$74.7M	$258.3M +1.7% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	44%
Total Deposits ?	$292.5M +307.5% YoY +7.5% QoQ	-$34.2M	$326.7M +0.7% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	53%
Return on Assets ?	0.47% +112.3% YoY +7.0% QoQ	-0.85%	1.32% +10.8% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	Bottom 11.5% in tier
Net Interest Margin ?	4.20% -17.0% YoY +1.5% QoQ	+0.21%	3.99% +5.0% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	65%
Efficiency Ratio ?	73.35% -49.1% YoY -4.7% QoQ	+8.87%	64.48% -3.2% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	23%
Delinquency Rate ?	0.00%	-0.92%	0.92% +15.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	62.78% -31.1% YoY +21.6% QoQ	-15.17%	77.95% +1.0% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	79%
Non-Interest-Bearing Deposit Share ?	48.40% +65.7% YoY -10.5% QoQ	+26.37%	22.03% -0.6% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	Top 1.9% in tier
Nonperforming Asset Ratio ?	0.00%	-0.67%	0.67% +16.4% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	23.67% -51.3% YoY -8.8% QoQ	+7.76%	15.91% +1.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	Top 8.2% in tier
Non-Interest Income / Assets ?	0.01% +120.0% YoY +120.7% QoQ	-0.55%	0.57% +7.6% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	Bottom 1.4% in tier

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 (TX)	National Avg	Tier Percentile
Noninterest-Bearing	48.4% +19.2pp YoY -5.7pp QoQ	+26.3pp	22.1%	29.2%	22.2%	98%
Brokered Deposits	n/a	n/a	7.9%	8.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
C&I	13.9% -0.2pp YoY -2.0pp QoQ	+2.4pp	11.6%	14.8%	12.5%	72%
CRE	78.0%	+38.5pp	39.5%	48.4%	41.4%	96%
1-4 Family	9.7% +0.5pp YoY -0.8pp QoQ	-22.9pp	32.6%	25.8%	31.3%	10%
Consumer	0.2% +0.1pp YoY -0.2pp QoQ	-4.0pp	4.1%	4.7%	5.0%	8%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	23.7% -25.0pp YoY -2.3pp QoQ	+4.8pp	18.8%	22.7%	19.7%	86%
Leverage Ratio	14.5% -22.3pp YoY +1.1pp QoQ	+2.3pp	12.2%	12.6%	12.6%	84%
Total Capital Ratio	24.9% -25.0pp YoY -2.3pp QoQ	+5.0pp	19.9%	23.8%	20.8%	87%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	27 +7 (+35.0%) YoY +4 (+17.4%) QoQ	-32	58	186	482	22%
Assets per Employee ($)	$12.6M +130.9% YoY -7.3% QoQ	+$5.1M	$7.5M	$10.1M	$8.8M	94%
Branch Count	1 0 YoY 0 QoQ	-4	4	12	18	0%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.3%	0.4%	n/a
Nonaccrual	n/a	n/a	0.9%	1.0%	1.0%	n/a
Allowance Coverage	n/a	n/a	24.15x	18.82x	20.23x	n/a
Net Charge-off Rate (YTD)	n/a	n/a	0.1%	0.1%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	3.6% +11.8pp YoY +0.2pp QoQ	-8.6pp	12.2%	13.2%	11.6%	10%
Cost of Funds (YTD)	1.2% -0.2pp YoY +0.1pp QoQ	-0.5pp	1.7%	1.6%	1.7%	18%
Net Income ($, YTD)	$747,000 +149.1% YoY — QoQ	-$1.8M	$2.6M	$15.9M	$40.4M	18%

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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 (1)

Liquidity Overhang

risk

#332 of 742 • Bottom 44.6% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 23.67%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 62.78%

(Tier: 77.95%, National: 79.03%)

better than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 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).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.92%

#1 of 2633 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.67%

#1 of 2643 Top 0.1% in $100M-$1B

Non-Interest-Bearing Deposit Share

funding

Value: 48.40%

Peer Median: 22.03%

#52 of 2643 Top 1.9% in $100M-$1B

217

Tier 1 Capital Ratio

capital

Value: 23.67%

Peer Median: 15.91%

#217 of 2643 Top 8.2% in $100M-$1B

545

Loan-to-Deposit Ratio

liquidity

Value: 62.78%

Peer Median: 77.95%

#545 of 2643 Top 20.6% in $100M-$1B

Top Weaknesses (3 metrics)

2608

Non-Interest Income / Assets

revenue_mix

Value: 0.01%

Peer Median: 0.57%

#2608 of 2643 Bottom 1.4% in $100M-$1B

2341

Return on Assets

profitability

Value: 0.47%

Peer Median: 1.32%

#2341 of 2643 Bottom 11.5% in $100M-$1B

2036

Efficiency Ratio

profitability

Value: 73.35%

Peer Median: 64.48%

#2036 of 2643 Bottom 23.0% in $100M-$1B