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Overview / Commentary
713-335-8700
4040 Washington Avenue
Houston, TX 77007

Integrity Bank is headquartered in Houston and is the 99th largest bank in the state of Texas. It is also the 1,310st largest bank in the nation. It was established in 2007 and as of December of 2013, it had grown to 64 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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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 had $2.09 million in non-current loans and owned real-estate with $54.45 million in equity and loan loss allowances on hand to cover it. This gives Integrity Bank a Texas Ratio of 3.84% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B+

The Texas Ratio for Integrity Bank decreased slightly from 4.66% as of December 31, 2012 to 3.84% as of December 31, 2013, resulting in a positive change of 17.55%.This indicates that the balance sheet and financial strength for Integrity Bank has improved slightly in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Integrity Bank has increased its total deposits by $109.17 million, resulting in 31.29% 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

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 has $510.97 million in assets with $54.45 million in equity, resulting in a capitalization level of 10.66%, which is above average.

Institution Statistics

Overall
FDIC Certificate #58631
Year Established2007
Employees64
Primary RegulatorFDIC
Assets and Liabilities
Assets$510.97 million
Loans$385.46 million
Deposits$458.05 million
Equity Capital$50.23 million
Loan Loss Allowance$4.22 million
Unbacked Noncurrent Loans$687,000
Real Estate Owned$1.41 million
Historic Data - December 2012
Assets$411.80 million
Equity Capital$39.76 million
Loan Loss Allowance$3.57 million
Unbacked Noncurrent Loans$687,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin4.2%
Return on Assets1.13%
Return on Equity11.51%
Interest Income$20.75 million
Rates

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

Integrity Bank Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.30%--Savings

Integrity Bank Money Market Rates

DetailsAPYMINMAXPRODUCT
1.50%$5m-Commercial Money Market
0.80%$500k-Personal Money Market Checking

Integrity Bank Checking Account Rates

DetailsAPYMINMAXPRODUCT
1.50%$1m-Integrity Plus Checking
0.75%$2,500-Integrity Checking
0.20%--NOW - Personal
0.20%--Business NOW Account

Integrity Bank CD Rates

DetailsAPYMINMAXPRODUCT
1.35%$1k-5 Year CD
1.20%$1k-4 Year CD
1.05%$1k-3 Year CD
0.85%$1k-2 Year CD
0.70%$1k-18 Month CD
0.60%$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

DetailsAPYMINMAXPRODUCT
1.05%$1k-3 Year IRA
0.85%$1k-2 Year IRA
0.70%$1k-18 Month IRA
0.60%$1k-1 Year IRA
0.50%$1k-9 Month IRA
0.40%$1k-6 Month IRA
0.25%$1k-3 Month IRA
Locations


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