Integrity First Bank, National Association

Headquarters

502 South Hickory Street
Mountain Home, AR 72653
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 1.25% →
1-Year CD N.A. 1.01% →
2-Year CD N.A. 0.95% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Integrity First Bank, National Association is an FDIC insured institution located in Mountain Home, AR. It was founded in 1963 and has approximately $0.51 billion in assets. Customers can open an account at one of its 10 branches.

FDIC Insured Yes
FDIC Certificate # 18979
Date Established 1963
Assets $ 525.65 million
Loans $ 365.72 million
Deposits $ 444.28 million
Capital $ 56.33 million
 

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

Deposit Rates - October 24, 2020

Your Current Location: Virginia, VA 20146


Loan Rates - October 24, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Integrity First Bank, National Association

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 2020

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Payment
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2.664% 2.625% 0.50 $1,290 $1,005 Learn More
Rocket Mortgage
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
2.575% 2.500% 1.00 $2,470 $988 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info

Note to Integrity First Bank, National Association
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Branches

Integrity First Bank, National Association 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 First Bank, National Association Locations


Financial Details

Integrity First Bank, National Association Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Integrity First Bank, National Association. 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 First Bank, National Association U.S. Bank Average
1.16% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its 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 March 31, 2020, Integrity First Bank, National Association had $562,000 in non-current loans and $127,000 in owned real estate. To cover these potential losses it had $56,334,000 in equity and $3,124,000 in loans loss reserves. That gives it a Texas Ratio of 1.16%.

Return on Equity
Integrity First Bank, National Association U.S. Bank Average
10.43% 7.80%

Integrity First Bank, National Association has a Return on Equity of 10.43% versus the BestCashCow average of 7.80%. 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 First Bank, National Association U.S. Bank Average
10.72% 12.68%

Integrity First Bank, National Association has a Capitalization of 10.72% versus the BestCashCow average of 12.68. 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 First Bank, National Association Balance Sheet Analysis

As of March 31, 2019, Integrity First Bank, National Association had assets of $511,654,000, loans of $365,719,000, and deposits of $444,280,000. 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

March 31, 2020
ASSETS
Cash & Balances due from depository institutions $ 37.42 million
Interest-bearing balances $ 29.27 million
Total securities $ 65.74 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 365.72 million
Loan loss allowance $ 3.12 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.13 million
Goodwill and other intangibles $ 10.85 million
All other assets $ 19.74 million
     Total Assets $ 455.32 million
LIABILITIES
Total deposits $ 444.28 million
      Interest-bearing deposits $ 406.58 million
      Deposits held in domestic offices $ 444.28 million
      % insured (estimated) 75.88%
Federal funds purchased and repurchase agreements $ 2.57 million
Trading liabilities N.A.
Other borrowed funds $ 7.00 million
Subordinated debt N.A.
All other liabilities $ 1.47 million
      Total Liabilities $ 455.32 million
      Shareholders’ Equity $ 70.33 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 5.12 million
Total Interest Expense $ 0.84 million
Net interest income $ 4.28 million
Provision for loan and lease losses $ 0.08 million
Total non interest income $ 1.05 million
Total non interest expense $ 3.45 million
Pre-tax Net Operating Income $ 1.80 million

Bank Loan Profile?

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

Compared to other banks in Arkansas, Integrity First Bank, National Association has a significantly higher percent of 1-4 Family Residential 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 47.75
Multifamily
Mortgages
3.29
Credit Card Loans 0.24
Consumer Auto Loans 1.20
Small Business Loans 0.00
Construction and Development Loans 9.63
Commercial Real Estate 24.26
Commercial and Industrial Loans 5.90
Farm Loans 2.06

Frequently Asked Questions About Integrity First Bank, National Association

Branches and Savings

Is Integrity First Bank, National Association FDIC insured?

Yes. It is covered under FDIC Certificate #18979.

Why does Integrity First Bank, National Association pay such low interest on savings accounts?

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

Why are Integrity First Bank, National Association CD rates not competitive?

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

Is Integrity First Bank, National Association a commercial bank?

Yes

Where are Integrity First Bank, National Association locations?

See branch locations nearby.

Is Integrity First Bank, National Association open on Saturdays?

Is Integrity First Bank, National Association open on Sundays?

What time does Integrity First Bank, National Association open?

What time does Integrity First Bank, National Association close?

Are Integrity First Bank, National Association ATMs Open 24/7?

Do Integrity First Bank, National Association ATMs accept cash deposits?

Can Integrity First Bank, National Association customers use other ATMs?

Do Integrity First Bank, National Association branches have notaries?

Will Integrity First Bank, National Association notarize my document?

What address for Integrity First Bank, National Association should I put for incoming ACH transfers?

Will the Integrity First Bank, National Association branch print checks?

Do Integrity First Bank, National Association checks expire?

Does Integrity First Bank, National Association require US citizenship to open account?

Can Integrity First Bank, National Association close my account?

Does Integrity First Bank, National Association Report to credit bureaus?

Does Integrity First Bank, National Association Use Equifax?

What is Integrity First Bank, National Association's ACH Routing Number?

What is Integrity First Bank, National Association's SWIFT code?

Products

Does Integrity First Bank, National Association offer mortgages?

Compare mortgage rates here.

Does Integrity First Bank, National Association offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Integrity First Bank, National Association offer personal loans?

Compare personal loan rates here.

Does Integrity First Bank, National Association offer student loans?

Will Integrity First Bank, National Association cash a check?

Will Integrity First Bank, National Association redeem a savings bond?

Does Integrity First Bank, National Association cash savings bonds?

Will Integrity First Bank, National Association cash money orders?

Can Integrity First Bank, National Association issue a money order?

Does Integrity First Bank, National Association do currency exchange?

Background on The Bank

Who owns Integrity First Bank, National Association?

How long has Integrity First Bank, National Association been around?

Can Integrity First Bank, National Association transfer to other banks?

Does Integrity First Bank, National Association have quick pay?

Does Integrity First Bank, National Association accept rolled coins?

Will Integrity First Bank, National Association accept loose change?

Where is Integrity First Bank, National Association headquarters?

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