BlastPoint's Banking Scorecard
Integrity Bank SSB
Micro
Specialty: Commercial
TX
FDIC cert 59342
Designations: ✓ Community bank
Houston, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
Integrity Bank SSB has 5 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Loan-to-Deposit Ratio 29.69% below tier
- + Non-Interest-Bearing Deposit Share 24.92% above tier
- + Nonperforming Asset Ratio 0.45% below tier
- + Tier 1 Capital Ratio 23.68% above tier
Key Concerns
Areas that may need attention
- - Return on Assets 2.41% below tier
- - Efficiency Ratio 34.04% above tier
- - Non-Interest Income / Assets 0.55% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$300.8M
+545.4% YoY
+97.7% QoQ
|
+$83.3M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
72% |
| Total Loans ? |
$117.0M
+36.6% QoQ
|
-$22.2M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
49% |
| Total Deposits ? |
$260.9M
+126.4% QoQ
|
+$77.2M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
74% |
| Return on Assets ? |
-1.33%
-5.2% YoY
+45.7% QoQ
|
-2.41% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 2% in tier |
| Net Interest Margin ? |
4.30%
+294.3% YoY
-10.1% QoQ
|
+0.44% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
72% |
| Efficiency Ratio ? |
101.76%
-57.4% YoY
-17.5% QoQ
|
+34.04% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 5% in tier |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
44.83%
-62.9% YoY
-39.7% QoQ
|
-29.69% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Top 9% in tier |
| Non-Interest-Bearing Deposit Share ? |
47.31%
+71.6% YoY
+99.3% QoQ
|
+24.92% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 3% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
32.53%
-85.2% YoY
-10.7% QoQ
|
+23.68% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
Top 3% in tier |
| Non-Interest Income / Assets ? |
0.01%
+1.2% QoQ
|
-0.55% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Bottom 1% in tier |
Signature Analysis
Strengths (5)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Top 9%
in Micro
Why this stands out
Current:
44.83%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Top 3%
in Micro
Why this stands out
Current:
47.31%
(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 3%
in Micro
Why this stands out
Current:
32.53%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (3)
Return on Assets
metric
Bottom 2%
in Micro
Why this stands out
Current:
-1.33%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 5%
in Micro
Why this stands out
Current:
101.76%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest Income / Assets
metric
Bottom 1%
in Micro
Why this stands out
Current:
0.01%
(Tier avg: 0.56%, National avg: 0.65%)
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
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
97
97th pctile
Tier 1 Capital Ratio
Current: 32.53% · Tier avg: 8.85%
97
97th pctile
Non-Interest-Bearing Deposit Share
Current: 47.31% · Tier avg: 22.39%
91
91th pctile
Loan-to-Deposit Ratio
Current: 44.83% · Tier avg: 74.53%
74
74th pctile
Total Deposits
Current: $260.9M · Tier avg: $183.7M
72
72th pctile
Total Assets
Current: $300.8M · Tier avg: $217.5M
72
72th pctile
Net Interest Margin
Current: 4.30% · Tier avg: 3.85%
49
49th pctile
Total Loans
Current: $117.0M · Tier avg: $139.2M
5
5th pctile
Efficiency Ratio
Current: 101.76% · Tier avg: 67.73%
2
2th pctile
Return on Assets
Current: -1.33% · Tier avg: 1.08%
1
1th pctile
Non-Interest Income / Assets
Current: 0.01% · Tier avg: 0.56%
Top Weaknesses
1
1th pctile
Non-Interest Income / Assets
Current: 0.01% · Tier avg: 0.56%
2
2th pctile
Return on Assets
Current: -1.33% · Tier avg: 1.08%
5
5th pctile
Efficiency Ratio
Current: 101.76% · Tier avg: 67.73%
49
49th pctile
Total Loans
Current: $117.0M · Tier avg: $139.2M
72
72th pctile
Net Interest Margin
Current: 4.30% · Tier avg: 3.85%
72
72th pctile
Total Assets
Current: $300.8M · Tier avg: $217.5M
74
74th pctile
Total Deposits
Current: $260.9M · Tier avg: $183.7M
91
91th pctile
Loan-to-Deposit Ratio
Current: 44.83% · Tier avg: 74.53%
97
97th pctile
Non-Interest-Bearing Deposit Share
Current: 47.31% · Tier avg: 22.39%
97
97th pctile
Tier 1 Capital Ratio
Current: 32.53% · Tier avg: 8.85%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%