Integrity Bank Plus
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Data as of · sourced from FFIEC call reports. How we update
Integrity Bank Plus is an FDIC-insured commercial bank headquartered in Wabasso, MN, established in 1934 (FDIC certificate 15578), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $93.4M, up 6.5% from Q2 2025, the 175th largest of 221 banks headquartered in Minnesota. Its CET1 capital ratio was 14.97% 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
- 15578
- Headquarters
- Wabasso, MN
- Established
- 1934
- Total assets, Q2 2026
- $93.4M
- Assets vs Q2 2025
- +6.5%
- CET1 ratio, Q2 2026
- 14.97%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 091216104
- Holding company
- WABASSO BANCSHARES, INC.
- Asset rank in state
- 175th of 221 in Minnesota
Integrity Bank Plus leans heavily on commercial real estate. The Wabasso, Minnesota bank had $93 million in assets at June 30, 2026, up 6.5% from a year earlier. It holds commercial real estate loans worth 1.7 times its capital, 6.4 times the median of 26% for the 583 banks with less than $100 million in assets. It also carries problem assets equal to 14.1% of the capital and reserves that would absorb them, 10.2 times the median of 1.4% for banks its size.
Its $10.0 million commercial and industrial book is improving, with 2.67% past due or on nonaccrual, down from 5.79% a year earlier. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 2.27% of loans, down from 2.93% a year earlier. Where it has less room is capital: it holds common equity equal to 14.97% of its risk-weighted assets, lower than about three-quarters of banks its size (median 22.08%).
As of June 30, 2026, Integrity Bank Plus reported a CET1 capital ratio of 14.97%, a return on assets of 1.63%, a nonperforming-loan ratio of 2.27% and a Texas ratio of 14.14%. The figures come from its call report filed with the FFIEC.
Integrity Bank Plus ranks as the 175th largest of the 221 banks based in Minnesota, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.9% to $93.4M, loans rose 1.3% and deposits fell 1.7%. Its loan book on June 30, 2026 was led by agricultural production loans, at 37.1% of total loans, followed by farmland and other real estate loans at 21.9%. Its 2 offices in the FDIC Summary of Deposits are in Wabasso, MN and Walnut Grove, MN; its Wabasso office books 62% of its branch deposits. By the capital ratios in its Q2 2026 call report, Integrity Bank Plus meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 726 Main St, Wabasso, MN 56293
- County
- Redwood
- 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 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 1, 1934
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 15
- Domestic deposits
- $81.8M
- Allowance for credit losses
- $1.1M
- Net charge-offs (YTD)
- $0
- Average total assets
- $93.8M
- Average total loans
- $67.1M
- Average interest-bearing deposits
- $58.5M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 27, 1938
- FDIC Cert
- 15578
- Fed RSSD
- 897451
- Website
- www.integritybank.com →
- Parent Holding Company
- WABASSO BANCSHARES, INC. (RSSD 1925913)
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
Over the 12 quarters to Q2 2026, Integrity Bank Plus's total assets ran between $84.8M (Q3 2023) and $94.3M (Q1 2026), and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$93.4M total assets against $87.7M; $83.4M total liabilities against $79.1M.
$65.4M net loans and leases against $63.0M; $81.8M total deposits against $76.7M.
$18.3M securities against $18.5M; $5.9M cash and balances due against $2.6M.
$1.3M total interest income against $1.2M; $251K total interest expense against $244K.
$1.1M net interest income against $923K.
$20K total noninterest income against $39K; $616K total noninterest expense against $628K.
$115K provision for credit losses against $0.
$383K net income against $301K.
1.63% return on assets against 1.38%; 4.88% net interest margin against 4.41%.
14.97% CET1 capital ratio against 13.80%; 11.52% tier 1 leverage ratio against 11.16%.
Inside the full Integrity Bank Plus terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.50% (Q4 2024) to 1.82% (Q1 2026) and its net interest margin ran from 4.34% (Q3 2024) to 4.88% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.97% | 1.63% | 2.27% | 14.14% | 4.88% |
| Q1 2026 | 14.64% | 1.82% | 2.25% | 14.68% | 4.61% |
| Q4 2025 | 14.01% | 0.63% | 2.15% | 14.31% | 4.78% |
| Q3 2025 | 14.77% | 1.61% | 2.82% | 18.24% | 4.62% |
| Q2 2025 | 13.80% | 1.38% | 2.93% | 20.11% | 4.41% |
| Q1 2025 | 15.77% | 1.65% | 3.80% | 23.92% | 4.51% |
| Q4 2024 | 14.62% | -0.50% | 1.18% | 8.32% | 4.42% |
| Q3 2024 | 14.92% | 1.81% | 1.01% | 6.77% | 4.34% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 Plus (main office) | Wabasso , MN | 56293 | $50.6M |
| Walnut Grove Branch | Walnut Grove , MN | 56180 | $31.2M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 1, 1999 | Structure Change | Acquired Citizens State Bank of Walnut Grove Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 30, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MN, rank 212 of 277 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $128K approved, $128K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2016 (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 Plus
What are Integrity Bank Plus's total assets?
As of the Q2 2026 filing, Integrity Bank Plus reported total assets of $93.4 million in its FFIEC call report.
Where is Integrity Bank Plus headquartered?
It is headquartered in Wabasso, MN, United States.
When was Integrity Bank Plus founded?
It was established in 1934, per the FDIC institution directory.
Is Integrity Bank Plus FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15578). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Integrity Bank Plus?
Integrity Bank Plus's primary federal regulator is the FDIC.
What is Integrity Bank Plus's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.97% 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 Plus operate?
It operates 2 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 Plus's Texas Ratio?
Its Texas Ratio is 14.14% 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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