Integrity Bank
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Data as of · sourced from FFIEC call reports. How we update
Integrity Bank is an FDIC-insured commercial bank headquartered in Fowler, KS, established in 1906 (FDIC certificate 13450), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $99.7M, up 19.0% from Q2 2025, the 137th largest of 182 banks headquartered in Kansas. Its CET1 capital ratio was 25.46% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 13450
- Headquarters
- Fowler, KS
- Established
- 1906
- Total assets, Q2 2026
- $99.7M
- Assets vs Q2 2025
- +19.0%
- CET1 ratio, Q2 2026
- 25.46%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 101105985
- Holding company
- FSB BANKSHARES, INC.
- Asset rank in state
- 137th of 182 in Kansas
Integrity Bank, based in Fowler, Kansas, reported $100 million in assets at June 30, 2026, up 19.0% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median 1.4%). It also grew deposits 19.9% over the year, 8.0 times the median of 2.5% for banks its size.
Deposits are coming in faster than loans: over the year loans rose 8.4% and deposits rose 19.9%. Where it has less room is capital: it funds 10.33% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 13.06%).
As of June 30, 2026, Integrity Bank reported a CET1 capital ratio of 25.46%, a return on assets of 1.39%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Integrity Bank is the 137th largest of the 182 banks headquartered in Kansas. From Q1 2026 to Q2 2026, its total assets rose 0.9% to $99.7M, loans rose 5.6% and deposits rose 0.5%. Commercial and industrial loans made up 30.9% of its total loans on June 30, 2026, its largest category; next came agricultural production loans at 30.0%. The FDIC Summary of Deposits lists 4 offices for it, in 4 cities in KS; its Montezuma office books 40% of its branch deposits. Judged on its Q2 2026 call report, Integrity Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 200 N Apache Dr, Fowler, KS 67867
- County
- Gray
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- April 13, 1906
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 16
- Domestic deposits
- $89.2M
- Allowance for credit losses
- $359K
- Net charge-offs (YTD)
- -$13K
- Average total assets
- $100.9M
- Average total loans
- $31.4M
- Average interest-bearing deposits
- $47.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 13450
- Fed RSSD
- 843953
- Website
- www.integrityks.bank →
- Parent Holding Company
- FSB BANKSHARES, INC. (RSSD 2006471)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Integrity Bank's total assets ranged from $67.8M (Q1 2024) to $99.7M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$99.7M total assets against $83.8M; $90.5M total liabilities against $75.7M.
$32.4M net loans and leases against $29.8M; $89.2M total deposits against $74.4M.
$60.9M securities against $44.5M; $2.7M cash and balances due against $5.6M.
$1.2M total interest income against $1.0M; $212K total interest expense against $163K.
$954K net interest income against $865K.
$52K total noninterest income against $69K; $661K total noninterest expense against $628K.
No provision recorded in the last 12 quarters.
$350K net income against $322K.
1.39% return on assets against 1.50%; 4.01% net interest margin against 4.31%.
25.46% CET1 capital ratio against 24.58%; 10.33% tier 1 leverage ratio against 11.07%.
Inside the full Integrity Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeQuarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.97% (Q1 2025) to 1.54% (Q3 2025) and its net interest margin ran from 3.97% (Q1 2026) to 4.47% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 25.46% | 1.39% | 0.00% | 0.00% | 4.01% |
| Q1 2026 | 24.04% | 1.22% | 0.00% | 0.00% | 3.97% |
| Q4 2025 | 23.57% | 1.16% | 0.00% | 0.00% | 4.20% |
| Q3 2025 | 23.12% | 1.54% | 0.00% | 0.00% | 4.47% |
| Q2 2025 | 24.58% | 1.50% | 0.00% | 0.00% | 4.31% |
| Q1 2025 | 23.73% | 0.97% | 0.00% | 0.00% | 4.19% |
| Q4 2024 | 24.35% | 1.34% | 0.01% | 0.05% | 4.37% |
| Q3 2024 | 22.47% | 1.28% | 0.02% | 0.06% | 4.38% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Integrity Bank - Montezuma Branch | Montezuma , KS | 67867 | $35.9M |
| Integrity Bank (main office) | Fowler , KS | 67844 | $28.5M |
| Meade Branch | Meade , KS | 67864 | $16.6M |
| Cimarron State Bank Branch | Cimarron , KS | 67835 | $8.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in KS, rank 160 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $311K approved, $311K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2013 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Integrity Bank
What are Integrity Bank's total assets?
As of the Q2 2026 filing, Integrity Bank reported total assets of $99.7 million in its FFIEC call report.
Where is Integrity Bank headquartered?
It is headquartered in Fowler, KS, United States.
When was Integrity Bank founded?
It was established in 1906, per the FDIC institution directory.
Is Integrity Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #13450). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Integrity Bank?
Integrity Bank's primary federal regulator is the FDIC.
What is Integrity Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 25.46% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Integrity Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Integrity Bank's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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