Integrity Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Loan-to-deposit ratio climbed 1.76 percentage points in Q2 2026, from 34.95% to 36.71%. It was the largest change from Q1 2026 among the key lines here. Integrity Bank ranks 105th of 182 Kansas banks on return on assets, in the lower half at 1.39% (Q2 2026). Integrity Bank reported 1.39% on return on assets for Q2 2026, 0.39 points above the 1.00% median for banks in the < $100M asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 25.46% |
| Tier 1 risk-based capital ratio | 25.46% |
| Total risk-based capital ratio | 26.34% |
| Tier 1 leverage ratio | 10.33% |
| Equity capital to assets | 9.22% |
| Tangible equity to tangible assets | 9.22% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | -0.13% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.10% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.39% |
| Return on equity | 15.60% |
| Net interest margin | 4.01% |
| Efficiency ratio | 63.80% |
| Yield on earning assets | 4.87% |
| Cost of funds | 0.88% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 36.71% |
| Core deposits to total deposits | 100.00% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.51% |
| Securities to assets | 61.11% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 22.70% | 22.70% | 23.70% | 11.69% | 0.21% |
| Q4 2023 | 20.59% | 20.59% | 21.50% | 11.82% | 0.24% |
| Q1 2024 | 23.37% | 23.37% | 24.39% | 12.55% | 0.73% |
| Q2 2024 | 20.99% | 20.99% | 21.89% | 11.60% | 0.42% |
| Q3 2024 | 22.47% | 22.47% | 23.44% | 10.73% | 1.28% |
| Q4 2024 | 24.35% | 24.35% | 25.37% | 10.59% | 1.34% |
| Q1 2025 | 23.73% | 23.73% | 24.70% | 10.53% | 0.97% |
| Q2 2025 | 24.58% | 24.58% | 25.56% | 11.07% | 1.50% |
| Q3 2025 | 23.12% | 23.12% | 24.01% | 11.16% | 1.54% |
| Q4 2025 | 23.57% | 23.57% | 24.38% | 11.05% | 1.16% |
| Q1 2026 | 24.04% | 24.04% | 24.88% | 10.07% | 1.22% |
| Q2 2026 | 25.46% | 25.46% | 26.34% | 10.33% | 1.39% |
Integrity Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Integrity Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Integrity Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13450) · FFIEC NIC profile (RSSD 843953)