# INTEGRITY BANK
FOWLER, KS · FDIC certificate 13450 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $99.7M | |
| Deposits | $89.2M | |
| Loans and leases | $32.8M | |
| Total equity | $9.2M | |
| Loans / deposits | 36.31% (p10 of band) | 73.59% |
| Liquid assets / assets | 63.77% (p90 of band) | |
| Uninsured deposits / deposits | 16.64% (p38 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.33% (p29 of band) | 11.76% |
| Unrealized securities loss / equity | -14.60% (p31 of band) | -6.57% |
| AOCI / equity | -4.87% (p2 of band) | |
| ROA (annualized) | 1.35% (p61 of band) | 1.17% |
| Net interest margin | 4.08% (p58 of band) | 3.93% |
| Efficiency ratio | 66.21% (p51 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | -0.03% (p6 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 38% | |
| Construction % of loans | 15.55% (p47 of band) | |
| Auto loans | $294,000 (0.90% of loans; DQ 0.00%, NCO -0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 19.9% | |
| Employees | 16 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 2 | capital falling, reserve under noncurrent |  |
| 2014-06 | 1 |  | capital falling |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 | capital falling | reserve under noncurrent |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 1 | reserve under noncurrent |  |
| 2015-12 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2016-03 | 3 |  | uninsured deposits leaving |
| 2016-06 | 1 |  | deposits shrinking, assets shrinking |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | noncurrent p90 |  |
| 2017-03 | 3 | capital falling |  |
| 2017-06 | 2 |  | capital falling |
| 2017-09 | 3 | charge-offs p90 |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 2 |  | charge-offs p90 |
| 2018-06 | 2 |  |  |
| 2018-09 | 3 | charge-offs p90 |  |
| 2018-12 | 5 | capital falling, uninsured deposits leaving |  |
| 2019-03 | 4 |  | charge-offs p90 |
| 2019-06 | 6 | losing money, charge-offs p90 |  |
| 2019-09 | 5 | assets shrinking | capital falling, charge-offs p90 |
| 2019-12 | 7 | expense ratio p90, charge-offs p90, deposits shrinking | uninsured deposits leaving |
| 2020-03 | 4 | capital falling | losing money, assets shrinking, expense ratio p90, deposits shrinking |
| 2020-06 | 6 | expense ratio p90, NIM <2.5% |  |
| 2020-09 | 4 |  | reserve under noncurrent, capital falling |
| 2020-12 | 7 | losing money, deposits shrinking, assets shrinking, uninsured deposits leaving | charge-offs p90 |
| 2021-03 | 7 | charge-offs p90 | noncurrent p90 |
| 2021-06 | 8 | capital falling |  |
| 2021-09 | 5 |  | deposits shrinking, assets shrinking, capital falling |
| 2021-12 | 4 |  | uninsured deposits leaving |
| 2022-03 | 6 | capital falling, AOCI drag >20% of equity, securities losses >30% of equity | charge-offs p90 |
| 2022-06 | 4 |  | losing money, capital falling |
| 2022-09 | 4 |  |  |
| 2022-12 | 6 | wholesale funding >15%, capital falling |  |
| 2023-03 | 4 | deposits shrinking | AOCI drag >20% of equity, wholesale funding >15%, capital falling |
| 2023-06 | 5 | assets shrinking |  |
| 2023-09 | 5 |  |  |
| 2023-12 | 6 | wholesale funding >15%, uninsured deposits leaving | NIM <2.5% |
| 2024-03 | 3 |  | expense ratio p90, wholesale funding >15%, uninsured deposits leaving |
| 2024-06 | 2 | uninsured deposits leaving | deposits shrinking, assets shrinking |
| 2024-09 | 1 | capital falling | securities losses >30% of equity, uninsured deposits leaving |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 0 |  | capital falling |
| 2025-09 | 1 | uninsured deposits leaving |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 | capital falling | uninsured deposits leaving |
| 2026-06 | 0 |  | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-02-04 [Houston de novo Integrity Bank surpasses growth projections in first year - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOWWxVWnpYTWo0RFhMNWFybVo5eXA4RVEyVS1sdGM5TUczS1k1TW1TU1U4MDAyeXpzWU10RUtlTjdsYXB3bERRZU1GTFE1SEpjVlpJcmpCRUVQbGJJblVfMkd3ZG9GT1VxT2tyNnFMWDZTQWkyeEpTQ1REY1hZN3dpN3JnNkhfS2dxdmppdndaQkloQU1haFJqZnhleWh4b2U2UzhiNjAyOV9KZw?oc=5) · The Business Journals
- 2026-07-16 [Houston’s fastest-growing community bank increases deposits by 513.3% - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxQOUFPaGg1alNRc0t3ZEZEcjMxdnBNRkNLc3lxc3hac1A3UnhiMEktZUJXMWxiYXY3R3ZPYU1xUzdHNU9Hbm9qVENENnFCcHEwWEJkcS1jTkpzekg4VXg3cUxqQWlFMmlwTWJSY2I5b1psWG82Ykgtc196dGx2SnByNHBkMW5MVHF5b2VhY0hrekJuaFJWQnJtdDBGc3pockxsT0J1YWlB?oc=5) · The Business Journals
- 2025-08-07 [Fed's Powell has 'utmost integrity', says Bank of England's Bailey - Reuters](https://news.google.com/rss/articles/CBMiswFBVV95cUxNTk9QV2h6QmRZZHZha2NzMXJHYXJtdG1sUWpkN0IzX3NrdWEwakNCcTZLMC1reGc5Vm9fdVMySUVSWG1PRUxDUkpodjhXeU9YM2xQSlJKdEM4cS1OZko0dm02U1VVSjZNazVoX0ZKZWJPRm9JYVNuQWdqcUxQR050RXBnQkZpOUMxcldvTmJpVW0zWXloWlZDYURyOXdQaGhtY25CSUwwZlp5T2t1NzZqOU9iSQ?oc=5) · Reuters
- 2025-04-30 [A tofu legacy: Carol Sue Chiu’s journey with Banyan Foods and the role of Integrity Bank in supporting local businesses - Click2Houston](https://news.google.com/rss/articles/CBMi_wFBVV95cUxPMGZaWVRaLWExOVA1OXZOcFhfR2dqclYxWTF0eFBQbmRNWnU1aXJhVVV4TkJkb3F0aUV5djgyWE1TM0RkUExfQWJoUXNuWkRraVQxRmRhVDFFSWIwTnBIRzFwU1VDVU5hLW1uWXRLU2Y0bFptY0lyWmJyY0k0OUhvTWZVRkZqRzdvVkI1ZWNlQ3VjNHEyMUM2aUV2SG9JN2REaUM2d0FNU0xjZFB4QlpzVnpUMWctVUJFYnkzQWVPZGNlMVNZaWNmU3JkUDdpeDFqUzFZLU5UQmJWQzNrT2lNbEpycWdrYUFHMnVPbjZZY1VlYWxLR19QQ2VzN2tQbW8?oc=5) · Click2Houston
- 2011-03-15 [FDIC slow to pursue failed bank directors, recover tax dollars - Center for Public Integrity](https://news.google.com/rss/articles/CBMivgFBVV95cUxNcVh3YWxFOHJHYm9zUXlmYlpscXhjazJEbDFnNzlFdzcxOXJsTnY1TGxSdXRJUXNxYzU2d0lHbWdHU2Z5OW5TUHBCQUNkNlU3VlF2clZsa3pYeER5QWdLSUxBMW1oOWNGR2ktd0RrZXFDdjlHYk03QjI0SnFPblI2eUJEeTV1TTJHMGd5OTVLcVQzV2c1ZlVFTTV3ZmhXLW8tR245QThGdWJfTW9rN3NNOHVNOUFRSTQxVk12NmRB?oc=5) · Center for Public Integrity
- 2017-05-01 [Monument bank, trust company complete 2½-year management transition as founders retire - Colorado Springs Gazette](https://news.google.com/rss/articles/CBMi8AFBVV95cUxQN2FtUFl6N0hOYTJvQUFPLVFkWEotdG1IMU56Vl8wNEp6Z3VBZEIyT0hxYjh4VjNXTzNnb0w0ZFo5TEJ1RGlHNlBUQlZZWVpNSXpKSFVqSlJ0NHlPRUdhU25EZzZNUHg4YkoxVmZZU25ZT1F0dGlnR194d0t2dW5TVnNiWnRCZXNNbkRDSldPV21fcG1HcW5WbHlDZnZmNnZmSHl1QndvYS1sN3FMbGlWNlJKS1JaTFFvU3FKTWR2LWpfWFMzTmlxTEJoV3B0SzZfNTI2akNOajFkWl8zNEJDS19tUUJiTlQ1VUUtWVRBMFQ?oc=5) · Colorado Springs Gazette
- 2019-04-28 [Blaine Rush Obituary - Colorado Springs, CO - Dignity Memorial](https://news.google.com/rss/articles/CBMiigFBVV95cUxOcEZGNWhpWERJN25Hd2pCOW9TUmpiWVBYMUtkbDFvNGcwSU9vemg5aF9MS3ZQajdDS1ZZUVNBQ1RfUThkLUJheXdqRnVCNjd0TnJqLU1XU3ItRjM4anBwUEdrYU5UN1JzV3VyRllHTjM2SDFXdElmNGxia3lCQTRpT0JiczVXWVl4b0E?oc=5) · Dignity Memorial
- 2024-12-24 [Peter Stenehjem tapped as next CEO of First International Bank & Trust - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNUEZGVjhBZzlmaWVBUXNtSnNMLVJMZG41ME1zS3k4QWVEUXJFb0dlVk9HbmhHMnVkckxiY1hEWjNMTkJBbEVLejdoVjlzMlZabTlpYVp5bWl2d2tQMjQxQlhpRmhvZ19NRElNM3VqOU9ZUDRIeWxkWWMzSlhDajViUWFnT3pVaWxqZEZqbVowbE90enI4Yy1rb04yTTJSbGdMRmFSQVRxV3pnZw?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13450 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/10.json (key "13450", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide