Integrity Bank & Trust: 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 23.26 percentage points higher than in Q1 2026, at 102.96%. Integrity Bank & Trust ranks 42nd of 63 Colorado banks on return on assets, in the lower half at 0.99% (Q2 2026). Integrity Bank & Trust reported 0.99% on return on assets for Q2 2026, 0.27 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.61% |
| Tier 1 risk-based capital ratio | 12.61% |
| Total risk-based capital ratio | 13.85% |
| Tier 1 leverage ratio | 9.11% |
| Equity capital to assets | 8.84% |
| Tangible equity to tangible assets | 8.84% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.12% |
| Non-performing assets ratio | 1.11% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 11.39% |
| Allowance for credit losses to loans | 1.16% |
| Reserve coverage of non-performing loans | 102.96% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.99% |
| Return on equity | 11.09% |
| Net interest margin | 4.16% |
| Efficiency ratio | 64.48% |
| Yield on earning assets | 6.09% |
| Cost of funds | 2.07% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 93.71% |
| Core deposits to total deposits | 88.25% |
| Brokered deposits to total deposits | 10.54% |
| Deposits to assets | 81.08% |
| Securities to assets | 11.61% |
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 | 14.76% | 14.76% | 16.02% | 8.97% | 1.27% |
| Q4 2023 | 14.89% | 14.89% | 16.15% | 9.28% | 1.01% |
| Q1 2024 | 14.87% | 14.87% | 16.13% | 9.21% | 1.09% |
| Q2 2024 | 14.52% | 14.52% | 15.78% | 9.37% | 1.07% |
| Q3 2024 | 13.21% | 13.21% | 14.47% | 9.32% | 1.03% |
| Q4 2024 | 12.79% | 12.79% | 14.01% | 9.18% | 0.58% |
| Q1 2025 | 12.59% | 12.59% | 13.79% | 9.13% | 1.05% |
| Q2 2025 | 11.52% | 11.52% | 12.63% | 8.56% | 1.23% |
| Q3 2025 | 11.63% | 11.63% | 12.82% | 8.32% | 1.27% |
| Q4 2025 | 12.26% | 12.26% | 13.50% | 8.34% | 1.17% |
| Q1 2026 | 12.80% | 12.80% | 14.03% | 8.95% | 0.84% |
| Q2 2026 | 12.61% | 12.61% | 13.85% | 9.11% | 0.99% |
Integrity Bank & Trust vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Integrity Bank & Trust, 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 & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57587) · FFIEC NIC profile (RSSD 3160978)