BlastPoint's Banking Scorecard
Integrity Bank
Micro
Specialty: Agricultural
KS
FDIC cert 13450
Designations: ✓ Community bank
Fowler, KS
2498
banks in Micro tier nationally
145 in KS
View Micro leaderboard (KS) →
Integrity Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Non-Interest-Bearing Deposit Share 64.86% above tier
- + Nonperforming Asset Ratio 0.45% below tier
- + Tier 1 Capital Ratio 14.72% above tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 33.98% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$92.8M
+14.0% YoY
+7.8% QoQ
|
-$124.7M |
$217.5M
+2.3% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
20% |
| Total Loans ? |
$33.4M
+15.9% YoY
+8.7% QoQ
|
-$105.8M |
$139.2M
+2.8% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 12% in tier |
| Total Deposits ? |
$82.3M
+12.8% YoY
+8.3% QoQ
|
-$101.3M |
$183.7M
+1.8% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
22% |
| Return on Assets ? |
1.32%
+34.5% YoY
-4.3% QoQ
|
+0.24% |
1.08%
+14.7% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
66% |
| Net Interest Margin ? |
4.41%
+10.4% YoY
-1.5% QoQ
|
+0.56% |
3.85%
+6.6% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
76% |
| Efficiency Ratio ? |
70.20%
-7.9% YoY
+1.3% QoQ
|
+2.47% |
67.73%
-4.8% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
39% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.64% |
0.64%
+24.4% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
40.55%
+2.8% YoY
+0.4% QoQ
|
-33.98% |
74.53%
+0.5% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
Bottom 6% in tier |
| Non-Interest-Bearing Deposit Share ? |
87.25%
+73.6% YoY
+79.1% QoQ
|
+64.86% |
22.39%
-1.3% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
Top 1% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.45% |
0.45%
+25.1% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
23.57%
-3.2% YoY
+1.9% QoQ
|
+14.72% |
8.85%
-3.4% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
Top 8% in tier |
| Non-Interest Income / Assets ? |
0.29%
-14.2% YoY
+22.8% QoQ
|
-0.28% |
0.56%
+0.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
38% |
Signature Analysis
Strengths (4)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Top 1%
in Micro
Why this stands out
Current:
87.25%
(Tier avg: 22.39%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Tier 1 Capital Ratio
metric
Top 8%
in Micro
Why this stands out
Current:
23.57%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 6%
in Micro
Why this stands out
Current:
40.55%
(Tier avg: 74.53%, National avg: 78.04%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Non-Interest-Bearing Deposit Share
Current: 87.25% · Tier avg: 22.39%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
92
92th pctile
Tier 1 Capital Ratio
Current: 23.57% · Tier avg: 8.85%
76
76th pctile
Net Interest Margin
Current: 4.41% · Tier avg: 3.85%
66
66th pctile
Return on Assets
Current: 1.32% · Tier avg: 1.08%
39
39th pctile
Efficiency Ratio
Current: 70.20% · Tier avg: 67.73%
38
38th pctile
Non-Interest Income / Assets
Current: 0.29% · Tier avg: 0.56%
22
22th pctile
Total Deposits
Current: $82.3M · Tier avg: $183.7M
20
20th pctile
Total Assets
Current: $92.8M · Tier avg: $217.5M
12
12th pctile
Total Loans
Current: $33.4M · Tier avg: $139.2M
6
6th pctile
Loan-to-Deposit Ratio
Current: 40.55% · Tier avg: 74.53%
Top Weaknesses
6
6th pctile
Loan-to-Deposit Ratio
Current: 40.55% · Tier avg: 74.53%
12
12th pctile
Total Loans
Current: $33.4M · Tier avg: $139.2M
20
20th pctile
Total Assets
Current: $92.8M · Tier avg: $217.5M
22
22th pctile
Total Deposits
Current: $82.3M · Tier avg: $183.7M
38
38th pctile
Non-Interest Income / Assets
Current: 0.29% · Tier avg: 0.56%
39
39th pctile
Efficiency Ratio
Current: 70.20% · Tier avg: 67.73%
66
66th pctile
Return on Assets
Current: 1.32% · Tier avg: 1.08%
76
76th pctile
Net Interest Margin
Current: 4.41% · Tier avg: 3.85%
92
92th pctile
Tier 1 Capital Ratio
Current: 23.57% · Tier avg: 8.85%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Non-Interest-Bearing Deposit Share
Current: 87.25% · Tier avg: 22.39%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%