Integrity Bank: how it compares with its peers
Against 70 KS banks with half to twice its assets, Integrity Bank's strongest measure in Q2 2026 is net interest margin (4.08% vs. a 3.95% peer median). Its weakest relative measure is efficiency ratio (66.21% vs. 58.53%).
| Measure | Integrity Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.35% | 1.39% | Middle third Ahead of 46% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.08% | 3.95% | Middle third Ahead of 64% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 66.21% | 58.53% | Bottom third Ahead of 27% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.2M | $7.2M | Bottom third Ahead of 29% of peers |
| Loans to deposits Net loans and leases over total deposits. | 36.31% | 71.66% | Context |
What it means for lending operations
Its efficiency ratio of 66.21% is above the 58.53% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- The Kansas State Bank Overbrook Kansas Overbrook, KS · $101M
- The Citizens State Bank of Cheney, Kansas Cheney, KS · $97M
- Johnson State Bank Johnson, KS · $97M
- The Citizens State Bank and Trust Company Council Grove, KS · $96M
- Citizens State Bank and Trust Company Hiawatha, KS · $104M
- First National Bank in Fredonia Fredonia, KS · $104M
Questions about Integrity Bank
How big is Integrity Bank?
Integrity Bank, established in 1906, is headquartered in Montezuma, KS. It reported $100M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Integrity Bank's return on assets?
1.35% annualized in Q2 2026, against a 1.39% median for 70 KS banks with half to twice its assets, ahead of 46% of them.
What is Integrity Bank's efficiency ratio?
66.21% in Q2 2026: it spent about 66 cents in noninterest expense for each dollar of revenue. The peer median is 58.53%, and lower is better.
Is Integrity Bank growing its loans?
Net loans grew 8.6% over the year to Q2 2026, while deposits grew 19.9%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are KS banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Kansas bank ranked.