Integrity Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Integrity Bank of Fowler, KS against its peer group of 578 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.39% | 0.85% | +0.54% | 65th above |
| ROAE | 15.60% | 5.23% | +10.37% | 81st top |
| Net Interest Margin | 4.01% | 3.94% | +0.07% | 56th above |
| Efficiency Ratio | 63.80% | 74.96% | -11.16% | 63rd above |
| PPNR / Avg Assets | 1.37% | — | — | 55th above |
| Yield on Earning Assets | 4.87% | 5.42% | -0.55% | 35th below |
| Cost of Funds | 0.88% | 1.69% | -0.81% | 84th top |
| Net Interest Spread | 2.78% | — | — | 26th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.34% | -1.34% | 83rd top |
| NPA / Total Assets | 0.00% | — | — | 81st top |
| NCO / Avg Loans | -0.13% | 0.11% | -0.24% | 94th top |
| ACL / Total Loans | 1.10% | — | — | 38th below |
| Texas Ratio | 0.00% | 7.23% | -7.23% | 83rd top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 25.46% | 25.12% | +0.34% | 58th above |
| Tier 1 Ratio | 25.46% | 25.12% | +0.34% | 58th above |
| Total Capital Ratio | 26.34% | — | — | 58th above |
| Leverage Ratio | 10.33% | 14.13% | -3.80% | 20th bottom |
| Equity / Assets | 9.22% | 13.07% | -3.85% | 18th bottom |
| TCE / Tangible Assets | 9.22% | — | — | 18th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 36.71% | 68.58% | -31.87% | 86th top |
| Core Deposit Ratio | 100.00% | 88.79% | +11.21% | 97th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 19.03% | — | — | 95th top |
| Loan Growth (Y/Y) | 8.45% | — | — | 73rd above |
| Deposit Growth (Y/Y) | 19.88% | — | — | 96th top |
See Integrity Bank's peers by name
The 578 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Integrity Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Integrity Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Integrity Bank peer analysis.