Integrity Bank & Trust

What Integrity Bank & Trust does

Integrity Bank & Trust is an employee-owned community bank founded in 2002 and headquartered in Monument, Colorado, operating five branch locations across the Colorado Springs metropolitan area (Monument, North Gate, Research, Dublin, and a downtown Nevada branch opened in 2026). The bank provides a full suite of personal and business banking products, including tiered consumer checking (Gold, Silver, Bronze, Platinum 50+, and Onyx youth), savings, money market, CDs, and HSA accounts, alongside lending products spanning home loans (conventional, FHA, VA, USDA), consumer real estate, personal and auto loans, commercial real estate, commercial construction, and business lines of credit. Business banking is anchored by treasury management services (ACH origination, wire services, remote deposit capture, merchant services, positive pay, lockbox) delivered in partnership with providers such as UWM (mortgage wholesale), TCM Bank (credit card issuance), Payroll City (payroll), and a local merchant services partner. The bank also operates a wealth management subsidiary, Integrity Wealth Group, and a holding company, Integrity Capital Holdings.

The bank's underlying technology is a standard consumer digital banking platform (CSI-powered online and mobile banking) offering 24/7 account access, e-statements, iPay bill pay, mobile deposit, P2P payments, mobile wallet support (Apple Pay, Google Pay, Samsung Pay), debit card management, and SMS/telephone banking; a 2023 enhancement added bill pay security controls that debit payments two business days before the due date and assign separate account numbers to bill pay checks. Revenue is generated primarily through net interest income on the lending portfolio (mortgages, consumer real estate, commercial real estate, and business loans), deposit account service charges, interchange income on cards issued via TCM Bank, treasury management and merchant service fees, and wealth management fees. Customer segments span individual consumers, SMBs, nonprofit organizations, government/public entities, and youth, all served through a relationship-led GTM combining in-person branch banking, local loan officers, and digital self-serve channels.

Name

Integrity Bank & Trust

Legal name

Integrity Bank & Trust

Website

https://integritybankandtrust.com

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

101–250 employees

Short description

Integrity Bank & Trust is an employee-owned community bank operating five branches in the Colorado Springs area, offering personal and business banking, mortgages, commercial lending, treasury management, and wealth management to consumers, SMBs, nonprofits, and public entities.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Credit Cards & Revolving Credit (FSABAAAC)

Keywords

• Community banking services
• Personal banking products
• Commercial lending solutions
• Treasury management services
• Wealth management advisory

Headquarters

HQ city

Monument

HQ country

United States

HQ region

North America

Offices6 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales

Revenue model

1. Interest Income from Lending: Primary revenue stream from interest on home loans, consumer real estate loans, personal/auto loans, commercial real estate loans, business loans, and lines of credit. Offers conventional loans, FHA, VA, USDA loans.
2. Deposit Account Fees: Monthly service charges, ATM fees, wire transfer fees, and other account-related service fees. Checking accounts with $0 or $5 monthly service charge depending on qualifications.
3. Mortgage Banking: Mortgage origination and lending through network of lenders. Offers various mortgage products including construction loans, refinancing, and one-time close loans.
4. Credit Card Revenue: Interchange income from credit card transactions. Cards issued through TCM Bank, N.A. with rewards programs through cRewards.
5. Treasury Management Services: Fees for ACH origination, wire transfers, remote deposit capture, merchant services, positive pay, and lockbox services for business customers.
6. Payroll Services: Partnership with Payroll City for payroll processing, tax management, HR tools, and compliance services.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels7 records

Core offering

Integrity Bank & Trust is an employee-owned community bank that provides personal and business banking, consumer and commercial lending, treasury management, and wealth management services across the Colorado Springs area through five branch locations and a digital banking platform. The bank accepts deposits (checking, savings, money market, HSA, CDs), originates home loans and commercial loans, issues credit cards, and provides cash management and payroll services.

Product overview

Integrity Bank & Trust is an employee-owned community bank serving the Colorado Springs area, offering a comprehensive suite of personal and business banking products through both traditional branch services and a digital banking platform. The personal banking portfolio includes multiple checking account tiers (Gold Rewards, Silver Rewards, Bronze Rewards, Platinum 50+, and Onyx for young adults), savings accounts including youth-specific Minor and iHike Savings, Health Savings Accounts, and Certificates of Deposit. Lending products span home loans, consumer real estate loans, and personal/auto loans for individuals. For business customers, the bank provides various checking accounts (Integrity Business, Sole Proprietor, Not for Profit, Public Funds), business savings and money market accounts, commercial real estate and construction loans, and business lines of credit. Treasury Management services include ACH origination, wire transfers, Remote Deposit Capture, Merchant Services, Positive Pay, and Lockbox services. The Digital Banking platform delivers online and mobile banking with mobile deposit, bill pay (iPay), P2P payments, and mobile wallet support for Apple Pay, Google Pay, and Samsung Pay. The bank also offers business marketing services, payroll processing partnerships, and financial planning tools.

Differentiator

Problem solved

Functional benefit

Brands

• Onyx Rewards Checking: Youth and young adult checking account designed as an introduction to finances for teenagers, incorporating parents as collaborators in financial literacy
• iHike Savings
• iPay
• Integrity Wealth Group

Products and services

• Gold Rewards Checking Tiered rewards personal checking account offering up to 2.02% APY on balances up to $10,000 when qualifications are met, with nationwide ATM fee refunds up to $25 and free first order of checks, designed for individuals and families seeking high-yield checking.
• Silver Rewards Checking Personal rewards checking account with interest earnings and qualification-based benefits, designed for individuals and families.
• Bronze Rewards Checking Entry-level personal rewards checking account with ATM fee refunds when qualifications are met and potential monthly service charge waivers.
• Platinum 50+ Checking Personal checking account for customers aged 50 and older, offering 0.75% APY on balances of $500+ with no monthly service charge and a free safe deposit box discount.
• Onyx Rewards Checking Secured debit card checking account for teenagers and young adults featuring financial literacy education, parental oversight, and a sleek black debit card; converts to Silver Rewards Checking at age 26.
• Regular Savings Basic personal savings account with 0.75% APY, $100 minimum to open, and a $5 monthly service charge waived with minimum daily balance.
• Personal Money Market Tiered interest-bearing personal savings account with rates ranging from 0.80% to 1.41% APY depending on balance tier, $1,000 minimum to open.
• Minor Savings
• iHike Savings
• Health Savings Account (HSA)
• Certificates of Deposit (CDs)
• Home Loans
• Consumer Real Estate Loans
• Personal & Auto Loans
• Personal Credit Cards (Rewards Platinum, Cash Rewards Platinum, Platinum Edition)
• Integrity Business Checking
• Sole Proprietor Checking
• Not for Profit Checking
• Public Funds Checking
• Business Savings
• Business Money Market
• Public Funds Money Market
• Commercial Real Estate Loans
• Commercial Construction Loans
• Business Loans & Lines of Credit
• Treasury Management
• Payroll Services
• Wealth Management Services (Integrity Wealth Group)
• Digital Banking Platform

Quantifiable outcome

• Up to 2.02% APY on Gold Rewards Checking with qualifications met
• +2 more outcomes

Named customers7 records

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature7 records

Partnerships

Six partnerships are on record, tiered minor and core.

• Vitalant Blood DonationminorStrategic or Co-development Partner · 15 July 2026Community partnership for blood drives. Vitalant partners with Integrity to host blood donation events at Integrity Bank locations for community impact.
• Payroll CityminorGTM or Marketing PartnerPartnership for payroll processing services including comprehensive payroll, tax management, HR tools, timekeeping, benefit tracking, and Affordable Care Act tracking and compliance.
• Local Merchant Services ProviderminorGTM or Marketing PartnerPartnered with local service provider to offer commercial customers ability to accept all major credit/debit cards through merchant services.
• cRewardsminorGTM or Marketing PartnerPartnership with cRewards to give credit cardholders access to thousands of reward options. Cardholders earn cRewardsCard points for merchandise, gift cards, and other redemption options.
• TCM Bank, N.A.minorGTM or Marketing PartnerTCM Bank, N.A. issues Integrity's credit cards including Rewards Platinum, Cash Rewards Platinum, and Platinum Edition.
• United Wholesale Mortgage (UWM)coreChannel Partner/ Reseller/ DistributorUWM Top 1% Certified Partner 2019-2022. Mortgage lending partnership providing access to wholesale mortgage products including conventional, FHA, VA, and USDA loans.

Scale indicators5 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Vectra Bank Colorado: Colorado-focused commercial bank (division of Zions Bancorporation) offering personal, business, and wealth management services. Directly competes with Integrity in Colorado markets with overlapping branch presence and similar relationship-driven commercial banking model.
• Academy Bank: Community bank with Colorado presence offering personal and business banking, mortgages, and treasury services. Comparable mid-size community bank competing in similar markets with overlapping personal checking, savings, and lending products.
• ENT Credit Union: Colorado Springs-headquartered credit union and the largest direct competitor to Integrity Bank & Trust in the same geography. Offers personal and business banking, loans, mortgages, and wealth services with a similar community-focused relationship model — directly contesting Integrity's primary market.
• FirstBank: Lakewood, Colorado-based community bank offering personal and business banking, mortgage lending, and treasury management across Colorado. Comparable in scale, product mix, and community-bank positioning to Integrity, with broader branch network across the Front Range.
• Bank of Colorado: Colorado-based community bank (subsidiary of Glacier Bancorp) offering personal, business, and mortgage banking across the state. Competes directly with Integrity in Colorado Springs with a comparable community-bank value proposition and similar product suite including treasury management.

Regional players

• Bellco Credit Union: Colorado-based credit union offering personal and business banking, mortgages, and wealth services. Comparable community-focused institution competing for similar retail and small business customers across Colorado, though with broader Denver-metro geographic focus than Integrity's Colorado Springs concentration.

Broad incumbents

• Glacier Bancorp: Multi-state community bank holding company (parent of Bank of Colorado, among others) with extensive Western U.S. footprint. Operates as a bank holding company for community banks similar in model to Integrity but at materially larger scale and geographic diversification.
• Independent Bank Group: Texas-headquartered community bank holding company operating banks across multiple states. Broader community-bank operator comparable to Integrity's business model at significantly larger scale, providing a benchmark for what scaled community banking looks like.
• Wells Fargo: National incumbent bank with full-service personal, business, mortgage, and wealth management offerings across the U.S., including Colorado Springs. Competes against Integrity for deposits and loans but offers far broader product breadth, technology investment, and geographic reach — defining the large-bank competitive set.
• JPMorgan Chase: National incumbent with full-service consumer, business, and wealth banking including branches in Colorado Springs. Represents the largest-scale competitive pressure on community banks like Integrity, particularly on digital capabilities and deposit pricing.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@integritybanktrust9704
• Facebookfacebook.com/integritybankandtrust
• LinkedInlinkedin.com/company/integrity-bank-&-trust
• Instagraminstagram.com/integritybanktrust/profilecard/?igsh=MW12eTdlcGZqdjZ0MQ==

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Subsidiaries2 records

Funding overview

Funding rounds7 records

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Integrity Bank & Trust