Headquartered in Montezuma, Kansas, Integrity Bank is a state-chartered bank with $99.7M in total assets and $89.2M in deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1906.
Integrity Bank has a TellerScore of 80 out of 100 (strong) based on Q2 2026 data — higher than 66% of its 546 banks with under $100 million in assets. Among 185 banks headquartered in Kansas, it ranks 60th. Loan quality contributes the most (100/100, 0.00%); capital cushion contributes the least (53/100, 10.33%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 2 points (82 → 80), mostly because the capital cushion component weakened by 8 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 78 |
| Q3 2024 | 74 |
| Q4 2024 | 75 |
| Q1 2025 | 79 |
| Q2 2025 | 82 |
| Q3 2025 | 84 |
| Q4 2025 | 83 |
| Q1 2026 | 79 |
| Q2 2026 | 80 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.60% |
| Q3 2024 | 10.73% |
| Q4 2024 | 10.59% |
| Q1 2025 | 10.53% |
| Q2 2025 | 11.07% |
| Q3 2025 | 11.16% |
| Q4 2025 | 11.05% |
| Q1 2026 | 10.07% |
| Q2 2026 | 10.33% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.03% |
| Q3 2024 | 0.02% |
| Q4 2024 | 0.01% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.54% |
| Q3 2024 | 0.82% |
| Q4 2024 | 0.98% |
| Q1 2025 | 1.02% |
| Q2 2025 | 1.28% |
| Q3 2025 | 1.38% |
| Q4 2025 | 1.32% |
| Q1 2026 | 1.28% |
| Q2 2026 | 1.35% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 80 | $99.7M | 10.33% | 0.00% | 1.35% | 36.3% |
| Q1 2026 | 79 | $98.8M | 10.07% | 0.00% | 1.28% | 34.6% |
| Q4 2025 | 83 | $92.8M | 11.05% | 0.00% | 1.32% | 40.6% |
| Q3 2025 | 84 | $86.1M | 11.16% | 0.00% | 1.38% | 40.4% |
| Q2 2025 | 82 | $83.8M | 11.07% | 0.00% | 1.28% | 40.1% |
| Q1 2025 | 79 | $86.4M | 10.53% | 0.00% | 1.02% | 36.9% |
| Q4 2024 | 75 | $81.5M | 10.59% | 0.01% | 0.98% | 39.5% |
| Q3 2024 | 74 | $80.3M | 10.73% | 0.02% | 0.82% | 41.1% |
| Q2 2024 | 78 | $80.4M | 11.60% | 0.03% | 0.54% | 39.2% |
546 peers · Under $100 million in assets
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Kansas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Citizens State Bank of Cheney, KansasBank Cheney, KS | 74 out of 100, Strong | $96.7M | 11.1% | 1.30% | vs |
| Johnson State BankBank Johnson, KS | 85 out of 100, Very strong | $96.6M | 14.7% | 0.12% | vs |
| The Citizens State Bank and Trust CompanyBank Council Grove, KS | 75 out of 100, Strong | $96.1M | 9.0% | 0.11% | vs |
| The Stock Exchange Bank, Caldwell, KansasBank Caldwell, KS | 60 out of 100, Moderate | $90.3M | 9.0% | 1.03% | vs |
| New Century BankBank Belleville, KS | 79 out of 100, Strong | $88.9M | 13.2% | 0.87% | vs |
| The First National Bank of DightonBank Dighton, KS | 64 out of 100, Moderate | $88.5M | 16.1% | 2.39% | vs |
Deposit insurance
Is my money safe at Integrity Bank?
Yes. Integrity Bank is an FDIC-insured institution (FDIC certificate #13450). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 16.6% of deposits ($14.9M) are above the $250,000 FDIC insurance limit, close to the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.33%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 26.34% (benchmark: 10%).
4 locations
Branches
Integrity Bank lists 4 offices in 4 cities. Most locations:
- Cimarron, KS (1)
- Fowler, KS (1)
- Meade, KS (1)
- Montezuma, KS (1)
Identity & history
Profile
- Legal name
- Integrity Bank
- Former names
- The Fowler State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 13450
- RSSD ID
- 843953
- Primary regulator
- FDIC
- Holding company
- FSB Bankshares Inc
- Established
- April 13, 1906
- Headquarters
- 200 N Apache Dr, Montezuma, KS 67867
- Website
- www.integrityks.bank
- Employees
- 16
Quick answers
Integrity Bank: common questions
Is Integrity Bank FDIC insured?
Yes. Integrity Bank is an FDIC-insured institution (FDIC certificate #13450). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Integrity Bank's TellerScore?
80 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Integrity Bank ever failed?
There is no failure record for FDIC certificate #13450 in the FDIC failed bank list.
How many branches does Integrity Bank have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Montezuma
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Credit Union of Dodge CityCredit union Dodge City, KS | 89 out of 100, Very strong | $102.6M | 14.3% | 0.53% | vs |
| Bank 7Bank Oklahoma City, OK | 86 out of 100, Very strong | $1.9B | 13.9% | 0.39% | vs |
| The First National Bank in CimarronBank Cimarron, KS | 80 out of 100, Strong | $143.5M | 9.6% | 0.25% | vs |
| Great Plains Federal Credit UnionCredit union Joplin, MO | 74 out of 100, Strong | $318.8M | 13.0% | 0.53% | vs |