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Overview / Commentary
1275 Village Ridge Point
Monument, CO 80132

Integrity Bank & Trust is headquartered in Monument and is the 58th largest bank in the state of Colorado. It is also the 4,152nd largest bank in the nation. It was established in 2003 and as of March of 2014, it had grown to 37 employees at 3 locations. Integrity Bank & Trust has a B+ health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


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 & Trust had $5.27 million in non-current loans and owned real-estate with $13.61 million in equity and loan loss allowances on hand to cover it. This gives Integrity Bank & Trust a Texas Ratio of 38.72% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Integrity Bank & Trust decreased dramatically from 55.50% as of March 31, 2013 to 38.72% as of March 31, 2014, resulting in a positive change of 30.22%.This indicates that the balance sheet and financial strength for Integrity Bank & Trust has improved dramatically in recent periods.

Deposit Growth


In the past year, Integrity Bank & Trust has increased its total deposits by $13.04 million, resulting in 13.52% 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.



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 $126.02 million in assets with $13.61 million in equity, resulting in a capitalization level of 10.80%, which is above average.

Institution Statistics

FDIC Certificate #57587
Year Established2003
Primary RegulatorFDIC
Assets and Liabilities
Assets$126.02 million
Loans$82.49 million
Deposits$109.45 million
Equity Capital$12.23 million
Loan Loss Allowance$1.39 million
Unbacked Noncurrent Loans$582,000
Real Estate Owned$4.69 million
Historic Data - March 2013
Assets$111.80 million
Equity Capital$11.12 million
Loan Loss Allowance$1.32 million
Unbacked Noncurrent Loans$582,000
Real Estate Owned$4.78 million
Profit Margin - Quarterly
Net Interest Margin4.01%
Return on Assets1.09%
Return on Equity11.41%
Interest Income$1.22 million

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Integrity Bank & Trust Savings Account Rates

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

Integrity Bank & Trust Money Market Rates

0.25%$100k-Money Market Account

Integrity Bank & Trust Checking Account Rates

0.50%-$50kHi-Rewards Checking Account - Qualifying
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 - Non Qualifying

Integrity Bank & Trust CD Rates

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

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