Integrity Bank SSB: how it compares with its peers
Against 139 TX banks with half to twice its assets, Integrity Bank SSB's strongest measure in Q2 2026 is assets per employee ($12.6M vs. a $7.0M peer median). Its weakest relative measure is return on assets (0.47% vs. 1.44%).
| Measure | Integrity Bank SSB | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.47% | 1.44% | Bottom third Ahead of 9% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.20% | 4.18% | Middle third Ahead of 51% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 73.35% | 61.18% | Bottom third Ahead of 17% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $12.6M | $7.0M | Top third Ahead of 88% of peers |
| Loans to deposits Net loans and leases over total deposits. | 62.78% | 69.66% | Context |
What it means for lending operations
Its efficiency ratio of 73.35% is above the 61.18% 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 National Bank of Andrews Andrews, TX · $341M
- Security State Bank Farwell, TX · $338M
- First National Bank of Hereford Hereford, TX · $345M
- Global One Bank Houston, TX · $333M
- Ozona Bank Ozona, TX · $346M
- Texana Bank, National Association Linden, TX · $331M
Questions about Integrity Bank SSB
How big is Integrity Bank SSB?
Integrity Bank SSB, established in 2024, is headquartered in Houston, TX. It reported $340M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Integrity Bank SSB's return on assets?
0.47% annualized in Q2 2026, against a 1.44% median for 139 TX banks with half to twice its assets, ahead of 9% of them.
What is Integrity Bank SSB's efficiency ratio?
73.35% in Q2 2026: it spent about 73 cents in noninterest expense for each dollar of revenue. The peer median is 61.18%, and lower is better.
Is Integrity Bank SSB growing its loans?
Net loans grew 180.6% over the year to Q2 2026, while deposits grew 307.5%.
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 TX 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 Texas bank ranked.