Integrity Bank & Trust: how it compares with its peers
Against 34 CO banks with half to twice its assets, Integrity Bank & Trust's strongest measure in Q2 2026 is net interest margin (4.09% vs. a 4.18% peer median). Its weakest relative measure is return on assets (0.91% vs. 1.33%).
| Measure | Integrity Bank & Trust | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.91% | 1.33% | Bottom third Ahead of 21% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.09% | 4.18% | Middle third Ahead of 50% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 64.78% | 64.35% | Middle third Ahead of 50% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.3M | $7.7M | Middle third Ahead of 47% of peers |
| Loans to deposits Net loans and leases over total deposits. | 92.63% | 81.35% | Context |
What it means for lending operations
Its efficiency ratio of 64.78% is better than the 64.35% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- The Dolores State Bank Dolores, CO · $456M
- Frontier Bank Lamar, CO · $436M
- Bankers' Bank of the West Denver, CO · $434M
- Farmers State Bank of Calhan Calhan, CO · $416M
- High Country Bank Salida, CO · $528M
- San Luis Valley Federal Bank Alamosa, CO · $390M
Questions about Integrity Bank & Trust
How big is Integrity Bank & Trust?
Integrity Bank & Trust, established in 2003, is headquartered in Monument, CO. It reported $460M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is Integrity Bank & Trust's return on assets?
0.91% annualized in Q2 2026, against a 1.33% median for 34 CO banks with half to twice its assets, ahead of 21% of them.
What is Integrity Bank & Trust's efficiency ratio?
64.78% in Q2 2026: it spent about 65 cents in noninterest expense for each dollar of revenue. The peer median is 64.35%, and lower is better.
Is Integrity Bank & Trust growing its loans?
Net loans grew 1.2% over the year to Q2 2026, while deposits shrank 1.3%.
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 CO 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 Colorado bank ranked.