Integrity Bank & Trust: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 13.73 percentage points higher than in Q1 2026, at 114.53%. Within Colorado, Integrity Bank & Trust is 17th of 63 on loan-to-deposit ratio, 93.71% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Integrity Bank & Trust sits 12.88 points higher, at 93.71% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $349.2M |
| Net loans and leases | $345.1M |
| Loans held for sale | $0 |
| Loans to total assets | 75.98% |
| Loan-to-deposit ratio | 93.71% |
| Net loans to equity capital | 8.50% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 32.06% |
| Multifamily (5+ residential) | 0.89% |
| Commercial and industrial | 11.91% |
| Consumer | 0.19% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 190.22% |
| Construction concentration (Tier 1 capital + allowance) | 114.53% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.85% |
| Interest income on loans | $5.9M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $237.6M | $294.7M | 30.47% | 3.89% | 0.51% |
| Q4 2023 | $240.7M | $286.5M | 30.93% | 4.10% | 0.45% |
| Q1 2024 | $247.9M | $293.0M | 30.34% | 4.90% | 0.72% |
| Q2 2024 | $259.8M | $295.2M | 29.38% | 4.18% | 1.13% |
| Q3 2024 | $260.1M | $313.5M | 29.03% | 4.55% | 0.44% |
| Q4 2024 | $277.0M | $345.3M | 29.41% | 5.49% | 0.41% |
| Q1 2025 | $306.9M | $348.3M | 31.19% | 8.96% | 0.48% |
| Q2 2025 | $344.3M | $377.6M | 29.56% | 10.70% | 0.24% |
| Q3 2025 | $352.3M | $368.2M | 31.86% | 11.21% | 0.22% |
| Q4 2025 | $353.0M | $362.3M | 31.05% | 11.78% | 0.22% |
| Q1 2026 | $343.1M | $367.2M | 32.03% | 11.81% | 0.22% |
| Q2 2026 | $349.2M | $372.6M | 32.06% | 11.91% | 0.19% |
Integrity Bank & Trust loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Integrity Bank & Trust, freeSource: Call Report Schedule RC-C, 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 & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57587) · FFIEC NIC profile (RSSD 3160978)