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Integrity Bank SSB, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 3 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8054% | 1,474 |
| Cost of funding earning assets | 1.1709% | 3,781 |
| Net interest margin | 4.6345% | 516 |
| Noninterest income to average assets | 0.0100% | 4,377 |
| Noninterest expense to average assets | 7.6231% | 135 |
| Loan and lease loss provision to assets | 2.3400% | 34 |
| Net operating income to assets | -5.3306% | 4,434 |
| Return on assets (ROA) | -5.3306% | 4,473 |
| Pretax return on assets | -5.8462% | 4,472 |
| Return on Equity (ROE) | -9.1600% | 4,380 |
| Retained earnings to average equity (ytd only) | -9.1587% | 4,230 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 185.0679% | 57 |
| Assets per employee ($millions) | 4.1083% | 4,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4907% | 1,040 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 44.8800% | 3,804 |
| Net loans and leases to deposits | 83.1151% | 1,778 |
| Net loans and leases to core deposits | 95.4222% | 1,666 |
| Total domestic deposits to total assets | 54.0000% | 4,328 |
| Equity capital to assets | 45.0873% | 137 |
| Core capital (leverage) ratio | 57.8051% | 79 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 80.3693% | 76 |
| Memoranda: | ||
| Average total assets | $64,383,500 | 4,095 |
| Average earning assets | $57,050,000 | 4,089 |
| Average equity | $37,472,500 | 2,131 |
| Average total loans | $23,575,500 | 4,165 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1299% | 4,484 |
| Cost of funding earning assets | 0.0405% | 4,400 |
| Net interest margin | 1.0894% | 4,424 |
| Noninterest income to average assets | 0.0000% | 4,443 |
| Noninterest expense to average assets | 2.0643% | 3,459 |
| Loan and lease loss provision to assets | 0.4000% | 282 |
| Net operating income to assets | -1.2639% | 4,411 |
| Return on assets (ROA) | -1.2639% | 4,445 |
| Pretax return on assets | -1.5986% | 4,456 |
| Return on Equity (ROE) | -1.5500% | 4,267 |
| Retained earnings to average equity (ytd only) | -1.5541% | 4,130 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 238.7097% | 40 |
| Assets per employee ($millions) | 3.5848% | 4,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5022% | 1,005 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 20.5400% | 4,314 |
| Net loans and leases to deposits | 120.7797% | 69 |
| Net loans and leases to core deposits | 128.9119% | 388 |
| Total domestic deposits to total assets | 17.0100% | 4,378 |
| Equity capital to assets | 81.3248% | 101 |
| Core capital (leverage) ratio | 117.6564% | 2 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 220.1549% | 41 |
| Memoranda: | ||
| Average total assets | $46,602,000 | 4,257 |
| Average earning assets | $36,993,000 | 4,282 |
| Average equity | $37,899,000 | 2,059 |
| Average total loans | $9,719,000 | 4,331 |