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Overview / Commentary
719-484-0077
1275 Village Ridge Point
Monument, CO 80132

Integrity Bank & Trust is headquartered in Monument and is the 57th largest bank in the state of Colorado. It is also the 4,144th largest bank in the nation. It was established in 2003 and as of December of 2013, it had grown to 37 employees at 3 locations. Integrity Bank & Trust has a B+ health rating.

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Health

Data for Q4 2013

Institution Health

B+

Texas Ratio

GRADE:
C

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 & Trust had $5.22 million in non-current loans and owned real-estate with $13.28 million in equity and loan loss allowances on hand to cover it. This gives Integrity Bank & Trust a Texas Ratio of 39.27% which is average. 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 & Trust decreased dramatically from 59.68% as of December 31, 2012 to 39.27% as of December 31, 2013, resulting in a positive change of 34.20%.This indicates that the balance sheet and financial strength for Integrity Bank & Trust has improved dramatically in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Integrity Bank & Trust has increased its total deposits by $11.43 million, resulting in 11.56% 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 & Trust 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 & Trust has $126.39 million in assets with $13.28 million in equity, resulting in a capitalization level of 10.51%, which is above average.

Institution Statistics

Overall
FDIC Certificate #57587
Year Established2003
Employees37
Primary RegulatorFDIC
Assets and Liabilities
Assets$126.39 million
Loans$77.88 million
Deposits$110.31 million
Equity Capital$11.90 million
Loan Loss Allowance$1.38 million
Unbacked Noncurrent Loans$943,000
Real Estate Owned$4.27 million
Historic Data - December 2012
Assets$114.29 million
Equity Capital$11.15 million
Loan Loss Allowance$1.28 million
Unbacked Noncurrent Loans$943,000
Real Estate Owned$5.22 million
Profit Margin - Quarterly
Net Interest Margin4.17%
Return on Assets0.61%
Return on Equity6.32%
Interest Income$4.73 million
Rates

Always verify rates and promotions with the bank or credit union. We are not Integrity Bank & Trust, we are a rate comparison website and can not provide official rates or promotions.

Integrity Bank & Trust Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.20%$2,500-Health Savings Accounts
0.10%--Savings Account

Integrity Bank & Trust Money Market Rates

DetailsAPYMINMAXPRODUCT
0.25%$100k-Money Market Account

Integrity Bank & Trust Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.50%-$50kHi-Rewards Checking Account
0.10%$300-Silver Checking
0.10%$25k-High Altitude Checking
0.10%$500-Platinum Checking
0.10%--Sole Proprietorship Business Accounts
0.10%--Not-for-profit Business Accounts
0.10%--Public Funds Accounts
0.05%--Hi-Rewards Checking Account

Integrity Bank & Trust CD Rates

DetailsAPYMINMAXPRODUCT
1.41%$500-5 Year CD
1.16%$500-4 Year CD
0.90%$500-3 Year CD
0.75%$500-2 Year CD
0.60%$500-18 Month CD
0.45%$500-12 Month CD
0.40%$500-9 Month CD
0.35%$500-6 Month CD
0.30%$500-3 Month CD
Locations


Integrity Bank & Trust Locations
Integrity Bank & Trust1275 Village Ridge PointMonument, CO 80132
Voyager Parkway Branch13475 Voyager ParkwayColorado Springs, CO 80921
Powers Center Point Branch5550 Powers Center PointColorado Springs, CO 80920