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4040 Washington Avenue
Houston, TX 77007

Integrity Bank is headquartered in Houston and is the 97th largest bank in the state of Texas. It is also the 1,247th largest bank in the nation. It was established in 2007 and as of June of 2014, it had grown to 72 employees at 3 locations. Integrity Bank's money market rates are 3X the national average, and it boasts a A+ health rating.

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Data for Q2 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 June 30, 2014 Integrity Bank had $1.31 million in non-current loans and owned real-estate with $57.98 million in equity and loan loss allowances on hand to cover it. This gives Integrity Bank a Texas Ratio of 2.26% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Integrity Bank decreased dramatically from 8.88% as of June 30, 2013 to 2.26% as of June 30, 2014, resulting in a positive change of 74.52%.This indicates that the balance sheet and financial strength for Integrity Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Integrity Bank has increased its total deposits by $69.24 million, resulting in 17.39% 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 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 has $539.22 million in assets with $57.98 million in equity, resulting in a capitalization level of 10.75%, which is above average.

Institution Statistics

FDIC Certificate #58631
Year Established2007
Primary RegulatorFDIC
Assets and Liabilities
Assets$539.22 million
Loans$438.31 million
Deposits$467.42 million
Equity Capital$53.54 million
Loan Loss Allowance$4.44 million
Unbacked Noncurrent Loans$1.23 million
Real Estate Owned$85,000
Historic Data - June 2013
Assets$445.92 million
Equity Capital$44.90 million
Loan Loss Allowance$4.11 million
Unbacked Noncurrent Loans$1.23 million
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets1.15%
Return on Equity11.59%
Interest Income$11.80 million

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Integrity Bank Savings Account Rates


Integrity Bank Money Market Rates

1.25%$5m-Commercial Money Market
0.70%$500k-Personal Money Market Checking

Integrity Bank Checking Account Rates

1.20%$1m-Integrity Plus Checking
0.75%$2,500-Integrity Checking
0.20%--NOW - Personal
0.20%--Business NOW Account

Integrity Bank CD Rates

1.55%$1k-5 Year CD
1.45%$1k-4 Year CD
1.26%$1k-3 Year CD
0.90%$1k-2 Year CD
0.75%$1k-18 Month CD
0.70%$1k-1 Year CD
0.50%$1k-9 Month CD
0.40%$1k-6 Month CD
0.25%$1k-3 Month CD

Integrity Bank IRA Rates

1.26%$1k-3 Year IRA
0.90%$1k-2 Year IRA
0.75%$1k-18 Month IRA
0.70%$1k-1 Year IRA
0.50%$1k-9 Month IRA
0.40%$1k-6 Month IRA
0.25%$1k-3 Month IRA

Integrity Bank Locations
Integrity Bank, SSB4040 Washington AvenueHouston, TX 77007