TellerScore

Integrity Bank & Trust is a state-chartered bank headquartered in Monument, Colorado, in business for about 23 years. At the end of Q2 2026 it reported $459.6M in total assets and $372.6M in deposits, with 6 offices.

Based on its Q2 2026 filing, Integrity Bank & Trust scores 62/100, which we describe as moderate. That is higher than only 22% of 2,650 banks with $100 million – $1 billion. Among 63 banks headquartered in Colorado, it ranks 51st. Its strongest component is problem-loan coverage (86/100; 6.8%), and its lowest is capital cushion (41/100; 9.11%).

TellerScore · Q2 2026

Scorecard

Capital cushion41/100
Tier 1 leverage ratio: 9.11%
Loan quality82/100
Noncurrent loans ÷ total loans: 0.54%
Earnings56/100
Return on assets (annualized): 0.91%
Funding & liquidity61/100
Loans ÷ deposits and uninsured-deposit share: 92.6% · 21.5% uninsured
Problem-loan coverage86/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 6.80%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (61 → 62).

TellerScore
566166Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202465
Q4 202464
Q1 202562
Q2 202561
Q3 202556
Q4 202557
Q1 202657
Q2 202662
Tier 1 leverage ratio
5.00%7.18%9.37%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.37%
Q3 20249.32%
Q4 20249.18%
Q1 20259.13%
Q2 20258.56%
Q3 20258.32%
Q4 20258.34%
Q1 20268.95%
Q2 20269.11%
Noncurrent loans
0.38%0.64%0.91%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.38%
Q3 20240.38%
Q4 20240.42%
Q1 20250.44%
Q2 20250.40%
Q3 20250.78%
Q4 20250.91%
Q1 20260.88%
Q2 20260.54%
Return on assets
0.84%1.00%1.17%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.08%
Q3 20241.06%
Q4 20240.93%
Q1 20251.01%
Q2 20251.11%
Q3 20251.17%
Q4 20251.17%
Q1 20260.84%
Q2 20260.91%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202662$459.6M9.11%0.54%0.91%92.6%
Q1 202657$452.9M8.95%0.88%0.84%92.4%
Q4 202557$445.3M8.34%0.91%1.17%96.4%
Q3 202556$448.1M8.32%0.78%1.17%94.7%
Q2 202561$438.5M8.56%0.40%1.11%90.3%
Q1 202562$398.0M9.13%0.44%1.01%87.2%
Q4 202464$383.2M9.18%0.42%0.93%79.3%
Q3 202465$367.5M9.32%0.38%1.06%82.0%
Q2 202466$348.8M9.37%0.38%1.08%87.0%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.11%
14th
Total risk-based capital13.85%
61st
Problem loans0.54%
44th
Net charge-offs0.18%
13th
Return on assets0.91%
29th
Net interest margin4.09%
59th
Efficiency ratio64.8%
43rd
Loans to deposits92.6%
21st
Uninsured deposits21.5%
59th
Loan-loss reserves1.16%
45th
Texas ratio6.8%
27th

Similar-size banks in Colorado

InstitutionScoreAssetsCapitalProblem loansCompare
The Dolores State BankBank Dolores, CO84 out of 100, Strong$456.3M15.6%1.02%vs
Frontier BankBank Lamar, CO81 out of 100, Strong$436.4M10.8%0.32%vs
Bankers' Bank of the WestBank Denver, CO66 out of 100, Moderate$433.6M14.4%1.03%vs
Farmers State Bank of CalhanBank Calhan, CO68 out of 100, Moderate$416.4M9.2%0.41%vs
High Country BankBank Salida, CO56 out of 100, Moderate$528.5M9.6%1.34%vs
San Luis Valley Federal BankBank Alamosa, CO87 out of 100, Very strong$390.2M18.0%0.15%vs

Deposit insurance

Is my money safe at Integrity Bank & Trust?

Yes. Integrity Bank & Trust is an FDIC-insured institution (FDIC certificate #57587). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 21.5% of deposits ($80.1M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.11%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.85% (benchmark: 10%).

Check how much of your own balance is covered

6 locations

Branches

Integrity Bank & Trust lists 5 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Integrity Bank & Trust reported 148 home-loan applications under HMDA (LEI 5493008SW1LBUJBOD283): 139 originated ($57,365,000 total), 3 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.1%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Integrity Bank & Trust
Former names
Integrity Bank and Trust
Type
State-chartered bank
FDIC certificate #
57587
RSSD ID
3160978
Primary regulator
FDIC
Holding company
Integrity Capital Holdings Inc
Established
August 11, 2003
Headquarters
1275 Village Ridge Pt, Monument, CO 80132
Employees
63

Quick answers

Integrity Bank & Trust: common questions

Is Integrity Bank & Trust FDIC insured?

Yes. Integrity Bank & Trust is an FDIC-insured institution (FDIC certificate #57587). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Integrity Bank & Trust's TellerScore?

62 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Integrity Bank & Trust ever failed?

There is no failure record for FDIC certificate #57587 in the FDIC failed bank list.

How many branches does Integrity Bank & Trust have?

6 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Monument

InstitutionScoreAssetsCapitalProblem loansCompare
Bank19Bank Memphis, TX90 out of 100, Very strong$147.8M15.3%0.00%vs
5Star BankBank Colorado Springs, CO87 out of 100, Very strong$378.2M17.2%0.16%vs
First National Bank ColoradoBank Las Animas, CO85 out of 100, Very strong$634.3M11.8%0.00%vs
Pikes Peak National BankBank Colorado Springs, CO85 out of 100, Very strong$110.8M15.6%0.00%vs
Adams Bank & TrustBank Ogallala, NE82 out of 100, Strong$1.3B14.1%0.55%vs
Kirkpatrick BankBank Edmond, OK79 out of 100, Strong$1.0B10.7%0.00%vs