Integrity Bank SSB
Houston, TX·RSSD 5879201·FDIC 59342·bank:5879201·Risk-based ratios where reported
- #199 of 352Total assets in Texas
- 1offices
- 27employees
- #3 of 4,106Deposit growth in the U.S.
- #4 of 3,986Loan growth in the U.S.
- Top 4%Loan quality vs. peers
Performance over time
7 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Integrity Bank SSB
14 of 24 FORFI signals stand out against 1437 similar banks, based on FDIC data for the quarter.
Commercial lending growing with steady creditStrength: Lending FORFI signal+177.2%peers +2.3%+174.9 pp
Integrity Bank SSB's C&I loans grew faster than at similar banks, without a material rise in problem loans or net charge-offs.
| This institution | Peer median | Difference |
|---|---|---|
| Commercial and industrial loans, 12-month growth | ||
| +177.2% | +2.3% | +174.9 pp |
With internal data, FORFI would look at: Which new commercial borrowers do not yet hold operating deposits or treasury services with the institution.
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Integrity Bank SSB itself is left out of every peer median and percentile. How signals work
Deposits growing faster than peersStrength: Funding 2nd quarter+307.5%peers +4.3%+303.3 pp
Integrity Bank SSB's deposits grew 307.5% over the past year to $292 million. The median among 1435 similar banks was +4.3%.
| This institution | Peer median | Difference |
|---|---|---|
| Deposits, 12-month growth | ||
| +307.5% | +4.3% | +303.3 pp |
| Deposits | ||
| $292 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Integrity Bank SSB itself is left out of every peer median and percentile. How signals work
Leverage capital ratio falling while the peer median risesWorth a look: Capital 2nd quarter14.48%peers 10.81%+3.7 pp
Integrity Bank SSB's leverage ratio fell 22.3 percentage points over the past year to 14.48%. Among 1437 similar banks, the median rose 0.2 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Leverage ratio | ||
| 14.48% | 10.81% | +3.7 pp |
| 12-month change | ||
| -22.3 pp | +0.2 pp | -22.6 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Integrity Bank SSB itself is left out of every peer median and percentile. How signals work
Total assets growing faster than peersStrength: Growth 2nd quarter+211.7%peers +4.7%+207.0 pp
Integrity Bank SSB's total assets grew 211.7% over the past year to $340 million. The median among 1437 similar banks was +4.7%.
| This institution | Peer median | Difference |
|---|---|---|
| Total assets, 12-month growth | ||
| +211.7% | +4.7% | +207.0 pp |
| Total assets | ||
| $340 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Integrity Bank SSB itself is left out of every peer median and percentile. How signals work
Efficiency ratio falling faster than peersStrength: Efficiency 2nd quarter70.1%peers 60.8%+9.3 pp
Integrity Bank SSB's efficiency ratio fell 51.4 percentage points over the past year to 70.1%. Among 1432 similar banks, the median fell 2.1 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Efficiency ratio | ||
| 70.1% | 60.8% | +9.3 pp |
| 12-month change | ||
| -51.4 pp | -2.1 pp | -49.3 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Integrity Bank SSB itself is left out of every peer median and percentile. How signals work
9 more observations
- Noninterest-bearing deposit share rising while the peer median fallsFunding
- Loans growing faster than peersLending
- Deposit costs falling faster than peersFunding
- C&I lending growing faster than peersLending
- Return on assets rising faster than peersEarnings
- Net interest margin narrowing while the peer median widensEarnings
- Fee and other noninterest income among the lowest of similar banksEarnings
- Reliance on CDs falling faster than peersFunding
- Unrealized securities position worsening while the peer median improvesCapital
Key facts
- Integrity Bank SSB is a bank headquartered in Houston, Texas. It reported $340 million in total assets for the quarter ended June 30, 2026.
- Deposits totaled $292 million, up 307.5% from a year earlier, and loans totaled $186 million, up 180.7%.
- Its net interest margin was 4.30% and its annualized return on assets was 0.50% for the quarter.
- Its cost of all deposits was 1.46%, compared with a median of 1.80% among 1432 similar banks with $300 million to $1 billion in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Integrity Bank SSB's own data, FORFI would look at: Which new commercial borrowers do not yet hold operating deposits or treasury services with the institution.
Analysis workspaces
Sources and identifiers
- Institution
- Integrity Bank SSB · Bank
- Federal Reserve RSSD
- 5879201
- FDIC certificate
- 59342
- Reporting period
- Peer group
- 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Integrity Bank SSB itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $410K | — | |
| $4.48M | — | |
| $1.03M | — | |
| $3.45M | — | |
| $28K | — | |
| $2.43M | — | |
| $630K | — | |
| $630K | — | |
| 0.50% | 0.50%ROAQ · Quarter | |
| 4.30% | 4.29%NIMYQ · Quarter | |
| 70.06% | 70.06%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.