Integrity Bank (PA) is headquartered in Camp Hill and is the 48th largest bank in the state of Pennsylvania. It is also the 872nd largest bank in the nation. It was established in 2003 and as of March of 2014, it had grown to 119 employees at 7 locations. Integrity Bank (PA) has a B+ health rating.
This is by far the most unethical bank available in the Central PA area. I am a financial professional and I have been working for, and with banks, for nearly thirty years and not long ago I was approached by Integrity Bank located in Camp Hill, PA. At the time they sounded like a sincere and trustworthy bank who would stand behind their name and actions. I elected to utilize their services for a new home construction loan, and I found out the hard way that this bank is the most unethical bank that I have encountered. The bank provided the funds to my builder before the home was completed which was in strict violation of the loan documents yet they were unwilling to address any type of remedy even though they openly admitted that they made the mistake. I would strongly recommend against anyone utilizing this bank. I can't say enough about the opposite of integrity within this organization from the top to the bottom. I truly hope that the public will consider this as a warning against this institution!
I have a checking account with Integrity. After opening the account, they charged my account a $5 fee since my statement was returned to them by the US Postal Service. They left the apartment number off of the address. I asked them to refund the fee since I literally live across the street from the bank. I then asked to close my account and they would only do so if they could charge me another $5 fee. It has recently culminated into Integrity withdrawing $623 from my bank account. I have filed a complaint with the authorities since they could provide no information why the money was withdrawn. If you open an account with Integrity Bank, I hope you enjoy dumb fees and having money taken from you account.
I think it to be unfair..I had a high yield account..fell below the 2500 limit..I was getting .25(some high yield)..
My interest totaled .10..so I was charged $10.00 a month..needless to say I closed my account..
The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Integrity Bank (PA) had $7.13 million in non-current loans and owned real-estate with $75.56 million in equity and loan loss allowances on hand to cover it. This gives Integrity Bank (PA) a Texas Ratio of 9.43% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
The Texas Ratio for Integrity Bank (PA) decreased slightly from 10.96% as of March 31, 2013 to 9.43% as of March 31, 2014, resulting in a positive change of 13.88%.This indicates that the balance sheet and financial strength for Integrity Bank (PA) has improved slightly in recent periods.
In the past year, Integrity Bank (PA) has increased its total deposits by $125.19 million, resulting in 21.42% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Integrity Bank (PA) has shown is excellent.
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Integrity Bank (PA) has $782.11 million in assets with $75.56 million in equity, resulting in a capitalization level of 9.66%, which is above average.
|FDIC Certificate #||57557|
|Assets and Liabilities|
|Equity Capital||$66.37 million|
|Loan Loss Allowance||$9.20 million|
|Unbacked Noncurrent Loans||$4.02 million|
|Real Estate Owned||$3.11 million|
|Historic Data - March 2013|
|Equity Capital||$55.70 million|
|Loan Loss Allowance||$8.07 million|
|Unbacked Noncurrent Loans||$4.02 million|
|Real Estate Owned||$2.83 million|
|Profit Margin - Quarterly|
|Net Interest Margin||3.5%|
|Return on Assets||1.14%|
|Return on Equity||13.51%|
|Interest Income||$7.57 million|
Sorry, we do not have rate data for Integrity Bank (PA)
|Integrity Bank (PA) Locations|
|York Market Way Branch||1 Market Way South||York, PA 17401|
|Oregon Pike Branch||1683 Oregon Pike||Lancaster, PA 17601|
|Centerville Road Branch||300 Centerville Road||Lancaster, PA 17601|
|Colonial Road Branch||301 Colonial Road||Harrisburg, PA 17109|
|Integrity Bank||3345 Market Street||Camp Hill, PA 17011|
|Bridge Street Branch||440 Bridge Street||New Cumberland, PA 17070|
|Allentown Boulevard Branch||6085 Allentown Boulevard||Harrisburg, PA 17112|