# INTEGRITY BANK SSB
HOUSTON, TX · FDIC certificate 59342 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $339.6M | |
| Deposits | $292.5M | |
| Loans and leases | $186.4M | |
| Total equity | $46.2M | |
| Loans / deposits | 62.78% (p16 of band) | 82.04% |
| Liquid assets / assets | 44.77% (p88 of band) | |
| Uninsured deposits / deposits | 60.67% (p98 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 14.48% (p87 of band) | 10.81% |
| Unrealized securities loss / equity | -0.17% (p94 of band) | -8.10% |
| AOCI / equity | -0.06% (p69 of band) | |
| ROA (annualized) | 0.47% (p11 of band) | 1.28% |
| Net interest margin | 4.20% (p67 of band) | 3.91% |
| Efficiency ratio | 73.35% (p80 of band) | |
| Noncurrent loans | 0.00% (p4 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 86% | |
| Construction % of loans | 91.74% (p83 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 307.5% | |
| Employees | 27 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2024-12 | 4 | loans exceed deposits, losing money, expense ratio p90, NIM <2.5% |  |
| 2025-03 | 3 | uninsured deposits >50% | loans exceed deposits, NIM <2.5% |
| 2025-06 | 4 | capital falling |  |
| 2025-09 | 4 |  |  |
| 2025-12 | 4 |  |  |
| 2026-03 | 2 |  | losing money, expense ratio p90 |
| 2026-06 | 1 |  | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-02-04 [Houston de novo Integrity Bank surpasses growth projections in first year - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOWWxVWnpYTWo0RFhMNWFybVo5eXA4RVEyVS1sdGM5TUczS1k1TW1TU1U4MDAyeXpzWU10RUtlTjdsYXB3bERRZU1GTFE1SEpjVlpJcmpCRUVQbGJJblVfMkd3ZG9GT1VxT2tyNnFMWDZTQWkyeEpTQ1REY1hZN3dpN3JnNkhfS2dxdmppdndaQkloQU1haFJqZnhleWh4b2U2UzhiNjAyOV9KZw?oc=5) · The Business Journals
- 2018-02-16 [Deal of the Week: The Bank of River Oaks to be acquired by Dallas bank - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxNYUc1X1VDQXg2bkJ4RDZ0YndNeTk0N1hBbjBaNjJZblY0TUNfc1paRUQ4WFNmRDVBNDNUM1pmVUhiaWdJa2ZVODZXT1VBSUNRQk51R2MxSXQ1aVBkQ01GSWpXa0FTSzRLaFUtV01vMzRNT0lyNHVmUk5Fa1F3MmFwTVZsdEptTWxpRzdKb2JLRkp6d01CSldHbVp0WklZODcwWnF2RA?oc=5) · The Business Journals
- 2018-01-04 [Latest Houston-area bank acquisition is complete - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOeFlrM29hbFpMbGEtc3R0bHpUMDQ4Mnhtb2tmRWlVNmZkWExwZy1lXzZEeW9oTnVoQ3pteW1YUnA5ODZIcmc3aEFmNU1OQnh2WTBEMTVMYnBJY3hCWFBURUpoWllyTklIWFQwTUE3UFVLREZkeXREMDNJTVFJWS1CalY5OVg0cmlwSXVfQV9rX1RqQzYzWmNzbzdlVFYzOEEyUjRzS05vYVY?oc=5) · The Business Journals
- 2019-01-09 [Value of Texas bank deals plummet amid market woes - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOWDMyWi1wdVJNR3dfN2E2MVhBUzFHdGNNRFBmOTA0R1E3WnJNTXRxRDZkZHIxUWtOT21hUEZVMVNHZGpkMXM4N3JsLW04UzNSVWZDS3pZbGFaYlp1WXVjcy0wRU95azVSWkM3QzdlOF85YnlBb1VnV2JLUXRZR1ZIb2xUWkpkMnNXYkNNMUZkM0dUZkFnYUFTV1dFYnJOMGtFbG56bFdPMDZ2UUk?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=59342 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/14.json (key "59342", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide