Integrity Bank & Trust
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Data as of · sourced from FFIEC call reports. How we update
Integrity Bank & Trust is an FDIC-insured commercial bank headquartered in Monument, CO, established in 2003 (FDIC certificate 57587), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $459.6M, up 4.8% from Q2 2025, the 21st largest of 63 banks headquartered in Colorado. Its CET1 capital ratio was 12.61% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 57587
- Headquarters
- Monument, CO
- Established
- 2003
- Total assets, Q2 2026
- $459.6M
- Assets vs Q2 2025
- +4.8%
- CET1 ratio, Q2 2026
- 12.61%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 107006994
- Latest call report
- Q2 2026, FFIEC 051 · Integrity Bank & Trust call report
- Holding company
- INTEGRITY CAPITAL HOLDINGS, INC.
- Asset rank in state
- 21st of 63 in Colorado
Integrity Bank & Trust operates with a thinner capital cushion than most banks of its size. The Monument, Colorado bank had $460 million in assets at June 30, 2026, up 4.8% from a year earlier. It funds 9.11% of its assets with Tier 1 capital, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). It also lost 1.3% of its deposits over the year, lower than about three-quarters of banks its size (median 4.0%).
Net income for the quarter slipped 13% from a year earlier, to $1.1 million. Problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.54% of loans from 0.39% a year earlier.
As of June 30, 2026, Integrity Bank & Trust reported a CET1 capital ratio of 12.61%, a return on assets of 0.99%, a nonperforming-loan ratio of 0.54% and a Texas ratio of 6.80%. The figures come from its call report filed with the FFIEC.
Integrity Bank & Trust ranks as the 21st largest of the 63 banks based in Colorado, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 1.5% to $459.6M, loans rose 1.8% and deposits rose 1.5%. 1-4 family residential loans made up 40.4% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 23.3%. The FDIC Summary of Deposits lists 5 offices for it, in Monument, CO and Colorado Springs, CO; its Monument office books 51% of its branch deposits. By the capital ratios in its Q2 2026 call report, Integrity Bank & Trust meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1275 Village Ridge Pt, Monument, CO 80132
- County
- El Paso
- Metro Area
- Colorado Springs, CO
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Limited trust powers granted
- Call Report form
- FFIEC 051
- Established
- August 11, 2003
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 63
- Domestic deposits
- $372.6M
- Allowance for credit losses
- $4.0M
- Net charge-offs (YTD)
- $322K
- Average total assets
- $450.7M
- Average total loans
- $345.8M
- Average interest-bearing deposits
- $271.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 11, 2003
- FDIC Cert
- 57587
- Fed RSSD
- 3160978
- SEC CIK
- 1209251 → filed by INTEGRITY CAPITAL HOLDINGS, INC.
- Website
- www.integritybankandtrust.com →
- Parent Holding Company
- INTEGRITY CAPITAL HOLDINGS, INC. (RSSD 3184853)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Integrity Bank & Trust's total assets ran between $338.4M (Q3 2023) and $459.6M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$459.6M total assets against $438.5M; $419.0M total liabilities against $404.4M.
$345.1M net loans and leases against $340.9M; $372.6M total deposits against $377.6M.
$53.4M securities against $57.0M; $38.2M cash and balances due against $19.3M.
$6.6M total interest income against $6.1M; $2.1M total interest expense against $2.0M.
$4.5M net interest income against $4.2M.
$416K total noninterest income against $502K; $3.2M total noninterest expense against $2.8M.
$205K provision for credit losses against $105K.
$1.1M net income against $1.3M.
0.99% return on assets against 1.23%; 4.16% net interest margin against 4.20%.
12.61% CET1 capital ratio against 11.52%; 9.11% tier 1 leverage ratio against 8.56%.
Inside the full Integrity Bank & Trust terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeIntegrity Bank & Trust rankings
Its closest position to the top of a national ranking is 982 of 3,640, for Texas Ratio; its furthest is 1,524 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.58% (Q4 2024) to 1.27% (Q3 2025) and its net interest margin ran from 3.96% (Q1 2026) to 4.40% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.61% | 0.99% | 0.54% | 6.80% | 4.16% |
| Q1 2026 | 12.80% | 0.84% | 0.88% | 8.21% | 3.96% |
| Q4 2025 | 12.26% | 1.17% | 0.91% | 10.67% | 4.20% |
| Q3 2025 | 11.63% | 1.27% | 0.78% | 9.53% | 4.40% |
| Q2 2025 | 11.52% | 1.23% | 0.40% | 6.66% | 4.20% |
| Q1 2025 | 12.59% | 1.05% | 0.44% | 6.94% | 4.10% |
| Q4 2024 | 12.79% | 0.58% | 0.42% | 6.73% | 4.00% |
| Q3 2024 | 13.21% | 1.03% | 0.38% | 6.16% | 4.00% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Integrity Bank & Trust (main office) | Monument , CO | 80132 | $189.0M |
| Voyager Parkway Branch | Colorado Springs , CO | 80921 | $97.4M |
| Powers Center Point Branch | Colorado Springs , CO | 80920 | $58.9M |
| Dublin Branch | Colorado Springs , CO | 80923 | $24.6M |
| Ibt Branch (Downtown) | Colorado Springs , CO | 80903 | $2.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in CO, rank 43 of 121 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 148 applications, 139 loans originated, $57.4M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 24 loans, $7.2M approved, $299K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Integrity Bank & Trust
What are Integrity Bank & Trust's total assets?
As of the Q2 2026 filing, Integrity Bank & Trust reported total assets of $459.6 million in its FFIEC call report.
Where is Integrity Bank & Trust headquartered?
It is headquartered in Monument, CO, United States.
When was Integrity Bank & Trust founded?
It was established in 2003, per the FDIC institution directory.
Is Integrity Bank & Trust FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57587). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Integrity Bank & Trust?
Integrity Bank & Trust's primary federal regulator is the FDIC.
What is Integrity Bank & Trust's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.61% in its Q2 2026 call report, above regulatory requirements.
How many branches does Integrity Bank & Trust operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Integrity Bank & Trust's Texas Ratio?
Its Texas Ratio is 6.80% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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