Integrity Bank & Trust: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Integrity Bank & Trust of Monument, CO against its peer group of 2672 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 | 0.99% | 1.34% | -0.35% | 32nd below |
| ROAE | 11.09% | 13.32% | -2.23% | 42nd below |
| Net Interest Margin | 4.16% | 3.93% | +0.23% | 62nd above |
| Efficiency Ratio | 64.48% | 61.14% | +3.34% | 40th below |
| PPNR / Avg Assets | 1.55% | 1.68% | -0.13% | 48th below |
| Yield on Earning Assets | 6.09% | 5.67% | +0.42% | 72nd above |
| Cost of Funds | 2.07% | 1.88% | +0.19% | 33rd below |
| Net Interest Spread | 3.49% | 3.32% | +0.17% | 59th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.12% | 0.94% | +0.18% | 25th below |
| NPA / Total Assets | 1.11% | 0.70% | +0.41% | 18th bottom |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.16% | 1.28% | -0.12% | 45th below |
| ACL / NPLs (Coverage) | 102.96% | 1539.37% | -1436.41% | 28th below |
| Texas Ratio | 11.39% | 7.33% | +4.06% | 19th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 181.68% | 1396.31% | -1214.63% | 56th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.61% | 19.51% | -6.90% | 23rd bottom |
| Tier 1 Ratio | 12.61% | 19.54% | -6.93% | 23rd bottom |
| Total Capital Ratio | 13.85% | 20.63% | -6.78% | 25th below |
| Leverage Ratio | 9.11% | 12.14% | -3.03% | 14th bottom |
| Equity / Assets | 8.84% | 11.38% | -2.54% | 25th below |
| TCE / Tangible Assets | 8.84% | 11.09% | -2.25% | 28th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 93.71% | 80.63% | +13.08% | 21st bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.25% | 86.86% | +1.39% | 45th below |
| Wholesale Funding Ratio | 9.68% | 5.03% | +4.65% | 15th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.81% | 6.85% | -2.04% | 53rd above |
| Loan Growth (Y/Y) | 1.42% | 7.91% | -6.49% | 28th below |
| Deposit Growth (Y/Y) | -1.33% | 6.29% | -7.62% | 16th bottom |
See Integrity Bank & Trust's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Integrity Bank & Trust, 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 & Trust profile, how to read a UBPR, or how this data updates.