Integrity Bank & Trust

1275 Village Ridge Point
Monument, CO 80132

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 57587
Date Established 2003
Assets $0.20 billion
Loans $0.14 billion
Deposits $0.19 billion
Capital $0.02 billion

Integrity Bank & Trust is an FDIC insured institution located in Monument, CO. It was founded in 2003 and has approximately $0.2 billion in assets. Customers can open an account at one of its 3 branches.

For a more detailed analysis of Integrity Bank & Trust's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Integrity Bank & Trust’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Construction and Development Loans.

Compared to other banks in Colorado, Integrity Bank & Trust has a significantly higher percent of Construction and Development Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 29.54
Multifamily
Mortgages
1.24
Credit Card Loans 0.00
Consumer Auto Loans 0.72
Small Business Loans 19.55
Construction and Development Loans 23.43
Commercial Real Estate 36.75
Commercial and Industrial Loans 6.28
Farm Loans 0.00

Deposit Rates - May 23, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.50% $1 $24,999 Learn MoreShow Less
Money Market
0.75% $25,000 $99,999 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.60% $500 - Learn MoreShow Less
6 Mo CD
0.75% $500 - Learn MoreShow Less
12 Mo CD
1.51% $500 - Learn MoreShow Less
18 Mo CD
1.61% $500 - Learn MoreShow Less
24 Mo CD
1.71% $500 - Learn MoreShow Less
36 Mo CD
1.81% $500 - Learn MoreShow Less
48 Mo CD
2.02% $500 - Learn MoreShow Less
60 Mo CD
2.27% $500 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
1.51% $500 - Learn MoreShow Less

Loan Rates - May 23, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Integrity Bank & Trust

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Triangle Lending Group, Inc.
NMLS ID: 64446
License#: MC-5531
3.910% 3.875% 0.00 $1,072 $1,176 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.250% 5.250% 0.00 $0 $1,381 Learn More
AimLoan.com NMLS#2890
NMLS ID: 2890
License#: MC-3098
3.905% 3.875% 0.38 $900 $1,176 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
PenFed Credit Union
PenFed Credit Union
5.500 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info

Note to Integrity Bank & Trust
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Branches

Integrity Bank & Trust branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Integrity Bank & Trust Locations


Financial Details

Integrity Bank & Trust Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Integrity Bank & Trust. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Integrity Bank & Trust U.S. Bank Average
17.3% 6.97%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2018, Integrity Bank & Trust had $643,000 in non-current loans and $2,496,000 in owned real estate. To cover these potential losses it had $16,562,000 in equity and $1,578,000 in loans loss reserves. That gives it a Texas Ratio of 17.3%.

Return on Equity
Integrity Bank & Trust U.S. Bank Average
13.06% 8.80%

Integrity Bank & Trust has a Return on Equity of 13.06% versus the BestCashCow average of 8.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Integrity Bank & Trust U.S. Bank Average
8.19% 12.29%

Integrity Bank & Trust has a Capitalization of 8.19% versus the BestCashCow average of 12.29. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Integrity Bank & Trust Balance Sheet Analysis

As of December 31, 2018, Integrity Bank & Trust had assets of $202,115,000, loans of $144,040,000, and deposits of $185,081,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2018
ASSETS
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.01 billion
Total securities $0.03 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.14 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.01 billion
     Total Assets $0.19 billion
LIABILITIES
Total deposits $0.19 billion
      Interest-bearing deposits $0.12 billion
      Deposits held in domestic offices $0.19 billion
      % insured (estimated) 68.60%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.19 billion
      Shareholders’ Equity $0.02 billion

Summary Income Statement

December 31, 2018
INCOME AND EXPENSES
Total Interest Income $0.01 billion
Total Interest Expense $0.00 billion
Net interest income $0.01 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.01 billion
Pre-tax Net Operating Income $0.00 billion

Frequently Asked Questions About Integrity Bank & Trust

Branches and Savings

Is Integrity Bank & Trust FDIC insured?

Yes. It is covered under FDIC Certificate #57587.

Why does Integrity Bank & Trust pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Integrity Bank & Trust CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Integrity Bank & Trust a commercial bank?

Yes

Where are Integrity Bank & Trust locations?

See branch locations nearby.

Is Integrity Bank & Trust open on Saturdays?

Is Integrity Bank & Trust open on Sundays?

What time does Integrity Bank & Trust open?

What time does Integrity Bank & Trust close?

Are Integrity Bank & Trust ATMs Open 24/7?

Do Integrity Bank & Trust ATMs accept cash deposits?

Can Integrity Bank & Trust customers use other ATMs?

Do Integrity Bank & Trust branches have notaries?

Will Integrity Bank & Trust notarize my document?

What address for Integrity Bank & Trust should I put for incoming ACH transfers?

Will the Integrity Bank & Trust branch print checks?

Do Integrity Bank & Trust checks expire?

Does Integrity Bank & Trust require US citizenship to open account?

Can Integrity Bank & Trust close my account?

Does Integrity Bank & Trust Report to credit bureaus?

Does Integrity Bank & Trust Use Equifax?

What is Integrity Bank & Trust's ACH Routing Number?

What is Integrity Bank & Trust's SWIFT code?

Products

Does Integrity Bank & Trust offer mortgages?

Compare mortgage rates here.

Does Integrity Bank & Trust offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Integrity Bank & Trust offer personal loans?

Compare personal loan rates here.

Does Integrity Bank & Trust offer student loans?

Will Integrity Bank & Trust cash a check?

Will Integrity Bank & Trust redeem a savings bond?

Does Integrity Bank & Trust cash savings bonds?

Will Integrity Bank & Trust cash money orders?

Can Integrity Bank & Trust issue a money order?

Does Integrity Bank & Trust do currency exchange?

Background on The Bank

Who owns Integrity Bank & Trust?

How long has Integrity Bank & Trust been around?

Can Integrity Bank & Trust transfer to other banks?

Does Integrity Bank & Trust have quick pay?

Does Integrity Bank & Trust accept rolled coins?

Will Integrity Bank & Trust accept loose change?

Where is Integrity Bank & Trust headquarters?

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