Integrity Bank & Trust: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The largest change between Q1 2026 and Q2 2026 was in Total interest expense, which fell 6.1% to $2.1M. Within Colorado, Integrity Bank & Trust is 28th of 63 on net interest margin, 4.16% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Integrity Bank & Trust sits 0.21 points higher, at 4.16% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.09% |
| Yield on loans | 6.85% |
| Yield on securities | 2.79% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.07% |
| Cost of interest-bearing deposits | 2.39% |
| Cost of interest-bearing liabilities | 2.60% |
| Cost of borrowings | 3.92% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.16% |
| Yield to cost spread | 3.49% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.9M |
| Total interest expense | $2.1M |
| Interest expense on deposits | $1.7M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.55% | 1.53% | 4.11% | 6.34% | 3.08% |
| Q4 2023 | 5.68% | 1.64% | 4.14% | 6.43% | 3.29% |
| Q1 2024 | 5.77% | 1.73% | 4.13% | 6.56% | 3.37% |
| Q2 2024 | 5.79% | 1.82% | 4.09% | 6.48% | 3.33% |
| Q3 2024 | 5.95% | 2.09% | 4.00% | 6.76% | 3.33% |
| Q4 2024 | 5.99% | 2.11% | 4.00% | 6.74% | 3.11% |
| Q1 2025 | 6.01% | 2.00% | 4.10% | 6.77% | 2.97% |
| Q2 2025 | 6.19% | 2.07% | 4.20% | 6.86% | 2.93% |
| Q3 2025 | 6.45% | 2.13% | 4.40% | 7.13% | 2.89% |
| Q4 2025 | 6.31% | 2.24% | 4.20% | 6.99% | 2.82% |
| Q1 2026 | 6.05% | 2.19% | 3.96% | 6.73% | 2.73% |
| Q2 2026 | 6.09% | 2.07% | 4.16% | 6.85% | 2.79% |
Integrity Bank & Trust yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Integrity Bank & Trust, freeSource: Call Report Schedules RI and RC-K, 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)