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Overview / Commentary
3345 Market Street
Camp Hill, PA 17011

Integrity Bank (PA) is headquartered in Camp Hill and is the 48th largest bank in the state of Pennsylvania. It is also the 882nd largest bank in the nation. It was established in 2003 and as of December of 2013, it had grown to 116 employees at 7 locations. Integrity Bank (PA) has a A+ health rating.

Reviews (3)

Took My Money

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 I have filed a complaint with the authorities since they could provide no information why the money was withdrawn.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.

Integrity Bank Located In Camp Hill, PA - The Most Unethical Bank I Have Ever Encountered!

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!

TO GET A .10 INTREST I WAS CHARGED A $10.00 FEE

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..



Health

Data for Q4 2013

Institution Health

A+

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Integrity Bank (PA) had $3.91 million in non-current loans and owned real-estate with $73.02 million in equity and loan loss allowances on hand to cover it. This gives Integrity Bank (PA) a Texas Ratio of 5.36% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for Integrity Bank (PA) decreased dramatically from 14.09% as of December 31, 2012 to 5.36% as of December 31, 2013, resulting in a positive change of 61.95%.This indicates that the balance sheet and financial strength for Integrity Bank (PA) has improved dramatically in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Integrity Bank (PA) has increased its total deposits by $88.95 million, resulting in 14.77% 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.

Capitalization

GRADE:
B

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 $761.9 million in assets with $73.02 million in equity, resulting in a capitalization level of 9.58%, which is above average.

Institution Statistics

Overall
FDIC Certificate #57557
Year Established2003
Employees116
Primary RegulatorFDIC
Assets and Liabilities
Assets$761.91 million
Loans$667.17 million
Deposits$691.02 million
Equity Capital$64.05 million
Loan Loss Allowance$8.96 million
Unbacked Noncurrent Loans$1.33 million
Real Estate Owned$2.59 million
Historic Data - December 2012
Assets$672.01 million
Equity Capital$53.10 million
Loan Loss Allowance$7.57 million
Unbacked Noncurrent Loans$1.33 million
Real Estate Owned$4.13 million
Profit Margin - Quarterly
Net Interest Margin3.59%
Return on Assets1.18%
Return on Equity14.08%
Interest Income$28.80 million
Rates

Sorry, we do not have rate data for Integrity Bank (PA)

Locations


Integrity Bank (PA) Locations
York Market Way Branch1 Market Way SouthYork, PA 17401
Oregon Pike Branch1683 Oregon PikeLancaster, PA 17601
Centerville Road Branch300 Centerville RoadLancaster, PA 17601
Colonial Road Branch301 Colonial RoadHarrisburg, PA 17109
Integrity Bank3345 Market StreetCamp Hill, PA 17011
Bridge Street Branch440 Bridge StreetNew Cumberland, PA 17070
Allentown Boulevard Branch6085 Allentown BoulevardHarrisburg, PA 17112