# INTEGRITY FIRST BANK NA
MOUNTAIN HOME, AR · FDIC certificate 18979 · asset band $300M-1B · latest filing 2019-03 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $511.7M | |
| Deposits | $444.3M | |
| Loans and leases | $368.8M | |
| Total equity | $56.3M | |
| Loans / deposits | 82.32% (p43 of band) | 84.98% |
| Liquid assets / assets | 20.16% (p40 of band) | |
| Uninsured deposits / deposits | 24.15% (p60 of band) | 21.58% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.87% (p33 of band) | |
| FHLB advances / assets | 1.37% | |
| Tier 1 leverage | 9.12% (p16 of band) | 10.59% |
| Unrealized securities loss / equity | -0.56% (p43 of band) | -0.32% |
| AOCI / equity | 1.48% (p63 of band) | |
| ROA (annualized) | 1.11% (p52 of band) | 1.08% |
| Net interest margin | 3.66% (p45 of band) | 3.73% |
| Efficiency ratio | 64.76% (p44 of band) | |
| Noncurrent loans | 0.15% (p22 of band) | 0.51% |
| Net charge-offs (annualized) | 0.04% (p73 of band) | |
| Reserve coverage of noncurrent | 555.87% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 62.52% (p70 of band) | |
| Auto loans | $4.4M (1.19% of loans; DQ 1.07%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 6.0% | |
| Employees | 123 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |

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

- 2019-01-16 [Farmers and Merchants to acquire Integrity Bank parent company - Talk Business & Politics](https://news.google.com/rss/articles/CBMinAFBVV95cUxOUTQ1blpfSTRtODljemlyNDRaMkpYbEVobFVBMVBLRDhETXRsQ2c4TmN6cGQ2QUZuZVY3VVNZc21uZHdpbTJpOVNMcHZORm1lNVFITGFhRkxXd2JUcGRERTE2ZUdtbE5WSEgzNU5GYUVnMUVza25FRzlZekZSZ2dPS3BzTzhCSkVhdG9GdlFObXNVdl9fWnoxMnRGdHU?oc=5) · Talk Business & Politics
- 2019-05-14 [Sale of Integrity First completed - Mansfield News Journal](https://news.google.com/rss/articles/CBMisAFBVV95cUxOVnk2NkZPMjNBbUVmaUUtSzVKZWhqdDJqN2tjci1JV2cxRHRobVA1OG1iQ3dqdEVISTFpNzdIM2NqTXR1eTZUdC1pODBWMUw1RDI1THYyNW9sYUNYZlpaSVBHemJxME5WTXJPcVNyd3Y3WW5Oa2J5UmJiTDBpdUtFbGV4Qm8tbUVCUjRPME9HdUE4eGl5ZUExVXhJYUF6NlkwM25tZWMtU3NFNlYwY0x4SA?oc=5) · Mansfield News Journal
- 2019-09-17 [Business Briefs - El Paso Times](https://news.google.com/rss/articles/CBMikAFBVV95cUxOeEtMczgtSlVFTFNXUEJWRGs3aHUyd2VxaE9aVVZLNnIwN0lPYjdnSC1samtWSHVXOHpUTHJlZG5lNDhxOFh0UGtKTVREakREem5BOXVQZk1jSEZiOFVIb2NnUkFaN1cyNWFUVFNGZlUtZHAydDFnOUhnQkdZdjZ3czRjMkhmaTdEVFdnb0Z3bHM?oc=5) · El Paso Times
- 2019-05-12 [Farmers and Merchants Bankshares completes Mountain Home Bancshares acquisition - Talk Business & Politics](https://news.google.com/rss/articles/CBMiswFBVV95cUxOOFhDZTRFbEM2OVFGaWhmT1BRQ2J4a3hyeTFvMUN3UG5GMXJtbEstSWREX0hoWjgtS0hYbDNEU0RNbHB5dEN5LXlDbWFlLU9Hb0I5SXVJOF9lRG8xLTY1ZlpBY1NjUGxEaU1uTE5ldDRqdmpPNUZWNF9aQ05ONlp0VGJ1ZmhaM3lxR013WVBJakFNQVYxd1pzbmZ0X1FQRW5zRmZCWWxzcWVBZE8yRm1BUFY4aw?oc=5) · Talk Business & Politics

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18979 (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/35.json (key "18979", 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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