Integrity Bank

4040 Washington Avenue
Houston, TX 77007
713 335 8700
www.ibanktx.com

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Integrity Bank is headquartered in Houston and is the 122^nd largest bank in the state of Texas. It is also the 1,548^th largest bank in the nation. It was established in 2007 and as of March of 2013, it had grown to 50 employees at 1 location. Integrity Bank's savings rates are 94% higher than the national average, and it has a 4-star health rating.

Integrity Bank RCA Rate Drop 2.76%APY Effective 10/15/11 (Forum) - 11/10/2011

Integrity Bank of Houston dropped their reward checking account rate from 2.73% to 2% in the last 30 days without notification per an anonymous poster this morning in the following: http://www.depositaccounts.com/bl...5-2011.htm I am creating the

RCA Rate Reduced (Forum) - 6/9/2011

RCA rate reduced from 4.00 to 2.76 as of june statement

Best Reward Checking Accounts in Houston and in Texas - 4/19/2011

If you live in the Houston metro area, you have access to some top reward checking accounts. Just like in other areas of the country, there have been a few reward checking accounts in Houston that hav ...

High-Yield Reward Checking Account at Integrity Bank in Houston - Local Only - 10/2/2009

Integrity Bank is offering a high-yield reward checking account with the following rates and features if certain monthly requirements are met:

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See Rates for: Checking | Savings | Money Market | CD | IRA

Integrity Bank Checking Account Rates

Apy	Min	Max	Product
2.01%	-	$25k	Reward Checking
1.10%	$500k	-	Senior Checking 55+
0.20%	-	-	NOW - Personal
0.20%	-	-	Business NOW Account

Integrity Bank Savings Account Rates

Apy	Min	Max	Product
1.01%	-	-	Free Real Saver
0.30%	-	-	Savings

Integrity Bank Money Market Rates

Apy	Min	Max	Product
1.50%	$5m	-	Commercial Money Market
0.80%	$500k	-	Personal Money Market Checking

Integrity Bank CD Rates

Apy	Min	Max	Product
1.50%	$1k	-	5 Year CD
1.40%	$1k	-	4 Year CD
1.20%	$1k	-	3 Year CD
0.90%	$1k	-	2 Year CD
0.85%	$1k	-	18 Month CD
0.75%	$1k	-	9 Month CD
0.75%	$1k	-	1 Year CD
0.55%	$1k	-	6 Month CD
0.25%	$1k	-	3 Month CD

Integrity Bank IRA Rates

Apy	Min	Max	Product
1.20%	$1k	-	3 Year IRA
0.90%	$1k	-	2 Year IRA
0.85%	$1k	-	18 Month IRA
0.75%	$1k	-	9 Month IRA
0.75%	$1k	-	1 Year IRA
0.55%	$1k	-	6 Month IRA
0.25%	$1k	-	3 Month IRA

Rates updated: 6/19/2013

Data for Q1 2013

Institution Statistics

Integrity Bank, SSB
FDIC Certificate #	58631
BankRate Report	View
Year Established	2007
Employees	50
Primary Regulator	FDIC
Assets and Liabilities
Assets	$431.39 million
Loans	$320.95 million
Deposits	$375.82 million
Equity Capital	$42.59 million
Loan Loss Allowance	$3.69 million
Unbacked Noncurrent Loans	$4.24 million
Historic Data - March 2012
Assets	$336.61 million
Equity Capital	$30.88 million
Loan Loss Allowance	$2.53 million
Unbacked Noncurrent Loans	$615,000
Real Estate Owned	$280,000
Profit Margin - Quarterly
Net Interest Margin	4.08%
Return on Assets	1.2%
Return on Equity	12.28%
Interest Income	$4.64 million

Institution Health

Overall Score:

4 out of 5

Texas Ratio
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 March 31, 2013 Integrity Bank had $4.24 million in non-current loans and owned real-estate with $46.28 million in equity and loan loss allowances on hand to cover it. This gives Integrity Bank a Texas Ratio of 9.16% which is above 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 increased slightly from 2.68% as of March 31, 2012 to 9.16% as of March 31, 2013, resulting in a negative change of 241.89%. This indicates that the balance sheet and financial strength for Integrity Bank has declined slightly in recent periods.
Deposit Growth
In the past year, Integrity Bank has increased its total deposits by $72.12 million, resulting in 23.75% 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.
Capitalization
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 $431.39 million in assets with $46.28 million in equity, resulting in a capitalization level of 10.73%, which is above average.