# INTEGRITY BANK
CAMP HILL, PA · FDIC certificate 57557 · asset band $300M-1B · latest filing 2015-03 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (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 | $985.6M | |
| Deposits | $747.7M | |
| Loans and leases | $795.7M | |
| Total equity | $218.8M | |
| Loans / deposits | 106.42% (p94 of band) | 79.82% |
| Liquid assets / assets | 2.30% (p0 of band) | |
| Uninsured deposits / deposits | 36.52% (p89 of band) | 19.17% |
| Brokered deposits | 7.07% | |
| Wholesale funding | 8.04% (p62 of band) | |
| FHLB advances / assets | 0.97% | |
| Tier 1 leverage | 11.74% (p76 of band) | 10.09% |
| Unrealized securities loss / equity | -0.02% (p10 of band) | 1.83% |
| AOCI / equity | -0.01% (p10 of band) | |
| ROA (annualized) | 0.12% (p4 of band) | 0.88% |
| Net interest margin | 1.16% (p1 of band) | 3.54% |
| Efficiency ratio | 82.49% (p82 of band) | |
| Noncurrent loans | 0.72% (p43 of band) | 0.85% |
| Net charge-offs (annualized) | 0.00% (p30 of band) | |
| Reserve coverage of noncurrent | 0.04% | |
| Real estate % of loans | 72% | |
| Construction % of loans | 42.97% (p60 of band) | |
| Auto loans | $1.1M (0.14% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 5.4% | |
| Employees | 115 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **liquid assets <10%** (`liq_thin`)
- **NIM <2.5%** (`earn_nim`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | loans exceed deposits, liquid assets <10%, construction >100% equity |  |
| 2011-06 | 2 |  | loans exceed deposits |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 | leverage <7% | liquid assets <10% |
| 2012-06 | 1 |  | leverage <7% |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | liquid assets <10% |  |
| 2013-06 | 1 |  | liquid assets <10% |
| 2013-09 | 2 | liquid assets <10% |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 3 | loans exceed deposits |  |
| 2015-03 | 4 | NIM <2.5%, reserve under noncurrent | construction >100% equity |

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

- 2026-03-09 [Bank with 72 locations in Pa. and Ohio launches branch refresh initiative - PennLive.com](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQNElPWUxIbXlSem5CWXNmMTl3V2t6U2xsRWdKcHRmSWJWRnB1QV9CdGNVcEIzajZZenc1dlZvQmkta0U0RzN6V3JrS1lLWDA1YVgzQ0dZRVJGQjNiRGZKWjQ3d1psUVlZbGhtT1lBaHEtZHgwS0tvcVYtcmxBUVlLX19OVUVKTnZHUjkzaDNjVEpwRzl4NUdqMUNVdFVJaFBxUTlab3lFWENKWlZhSWNiQmVYblNqa2hkaXpR?oc=5) · PennLive.com
- 2015-03-05 [S&T Bancorp completes Integrity acquisition - LancasterOnline](https://news.google.com/rss/articles/CBMi3gFBVV95cUxQUGNkYkxpSW1Tc0puNlF2LTBOQ21SUWNnZkRDenQ1c29oaEEyODJTUHRSc3JMd1BkWDVhMmROeFBiMXNSUXo2V0J3ZV9jTElCS0JsdU0zQTBHUDF3YVI1bWxlQi1xMjRac2VTd21WRzJQQjY0MHYwbXhCenlFa3N5SlIwNXcybXM0UXpmZGRnWkoyRDY3cGFyNE5tMTVwem8zaTV6V2FlMjJQVkJhQlhER1RhTURIc1d3dENndWFuQmZxT195c1dRZG1XRGp1aU5GMjNkU3JaSXpUcXpWMXc?oc=5) · LancasterOnline
- 2014-10-31 [Local Bank Expands South-Central in Pennsylvania - NBC10 Philadelphia](https://news.google.com/rss/articles/CBMinwFBVV95cUxQMURzU2FkU21PYk83N1k1MVM0b1dnSmdsejhJb3FDcUFsNURtSTdyN0hTOER1bEZxY3k0TE1CS3FmUk1fWTlOZExObDJrNkYtdTRwWmsxN2R0ZFlrMTljVndVOXRyMEoyZ0J2SERIRWItbkxEVWZ3eWdLR3FndEcyN1VXaDA0Z1NOd2hBWVhvWTA4WVhibUY4a3Jlck9wWmPSAacBQVVfeXFMTW1oRF8xYTZtb1VrTWtFTXV2QnRyYXJMcEdIdkxRa01UTkhqdjJLekZ2VUpkald0X3ViWTlaVEpKb3V3NEFSd0x3YnlNQXE0anFiYlNrWnkwWDBETlRyeDJrUnRUUFp5enVCWElUQ1Z0aUJrWmtjazJ4Y3lNZk9PLVdmQlpvMGFlalpHWVUzQkpwQmszS0xubDk4cERiY2FUbjQ2eTZaOWc?oc=5) · NBC10 Philadelphia
- 2026-02-10 [Mid Penn Bank Names Jordan Space Chief Revenue Officer of MPB Financial - BUCKSCO.Today](https://news.google.com/rss/articles/CBMiaEFVX3lxTE1UVEszVFVUTVQ2b0wxZEx5dklvVzlDT2F6OVNNV3VYeE5jei1tZGY2bGtFcFJwaXdBS3BvdTBoWDV1Ul90UzdNcXZTUmFvNGJ0dnlVZTc5SHBQSHVIcmV0YnJITlVRWDNt?oc=5) · BUCKSCO.Today
- 2015-03-10 [Former Integrity CEO Jim Gibson’s new S&T stock worth more than $17M - Central Penn Business Journal](https://news.google.com/rss/articles/CBMikAFBVV95cUxQNnVBbFVHM01ia1NoZ1A1cmMyQ3dMMnUyX1l6UjVVSmRaZWczQzVWUEVnLThqR2dYc0hyWTJPc2JOZmpfekdVd0Yyb010ckxxaE1TekJ3bS1TRlY3Y2NkVGpWckZpbWxLRnhrSkpRQnFHUUE4TFZObHBQVTZNeG5zOU80NGpWR21DbDdUV2ROaDU?oc=5) · Central Penn Business Journal
- 2019-06-06 [Upstate Pa. bank swoops in to buy DNB of Downingtown for $206 million - Inquirer.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxPWGo0ZXM4Qk9HQVZYVFVQMnZSV3k0UW9oRDlQaHFEZFVEYTd6UEhVeUdVVlhFdHA0TFJRLTlGRXpoSE0ycHYtY2JkT0Yyc1pTUVZQUXd0Y1dRWERjeTNUT19GV3M4c2VrMjlQRDRnM0tLak1iLU5ib0lxMHBMOGhCdFJVV3ROYXlqMWVNQXZvdw?oc=5) · Inquirer.com
- 2013-09-04 [James T. Gibson, President/CEO, Integrity Bank, Camp Hill: 3-minute interview - PennLive.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxPbndpMkRzSUduWEdqa0ttQkZ5RlBZakRLZHQxRU9NZEtYaW9LZy1kWVhqN0FJc3EyQ2lpVVgtam1oNEhGZjF0RE0yWkdFdDkwbFZ5RzVNZkRNcDlsQjJzVkl4eHpMdmJTOFd4ZFhCaGxtdTZ0V0k3N0NuWEtLa09sZnAzbw?oc=5) · PennLive.com
- 2021-02-05 [Mid Penn Bank Appoints Veteran Banking Executive to Board of Directors - VISTA.Today](https://news.google.com/rss/articles/CBMioAFBVV95cUxNZDZGdm93Wkxld2tWWkdwajhhdlFidUxxc0pxV2VUOE5WSW5RaUdfeXRDWC1PNk12OVgzMHhkdEZVYXlXdmxvSXMtd2NYdGJDUzdYSml1MldTTGd3TThVc0RFVXFWX1ZMRk1qYmh3ZDFmV1l5aUtCVS1NcHAwSWFnSGxEQWdTX25xNWJvZ0FLWFhvb0JHYjFGVFAzSE5oVUhJ?oc=5) · VISTA.Today

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57557 (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/21.json (key "57557", 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