Integrity Bank
Integrity Bank is a privately held community bank serving rural Southwest Kansas, operating four full-service branches in Cimarron, Fowler, Meade, and Montezuma with traditional deposit, consumer, agricultural, and commercial lending products plus online and mobile banking.
- Company typePrivate
- Founded1906
- HeadquartersFowler, United States
- Headcount1–10
- GTM typeB2B and B2C
- OfferingServices
What Integrity Bank does
Integrity Bank is a privately held community bank headquartered in Fowler, Kansas, serving the rural Southwest Kansas counties of Meade and Gray. The bank operates four full-service branch locations in Cimarron, Fowler, Meade, and Montezuma, including an in-grocery-store branch at Whites Foodliner in Cimarron and the newest location opened in Montezuma on February 15, 2024. Originally chartered in 1906 as The Fowler State Bank, the institution rebranded to Integrity Bank on March 8, 2022, after the Miller Investment Group completed a 100% acquisition of holding company FSB Bankshares, Inc. from the Chance Family in September 2021.
The bank's product set is a standard community banking suite: six checking account variants (E-Checking, Choice Checking, Interest Checking, Money Market, Business Choice Checking, Business Interest Checking), a savings account, personal and business credit cards via a third-party program, CDs across 3-month to 5-year terms, IRA CDs, and three loan categories (consumer, agricultural, and commercial). Digital channels include a DCI-powered online banking platform with multifactor authentication, ACH transfers, P2P, Picture Pay, eVault, GoStatements, and Quicken/QuickBooks export, plus native iOS and Android mobile apps. There is no public-facing API and no AI/ML capabilities disclosed.
Revenue is generated primarily through net interest income on agricultural, commercial, consumer, and mortgage loans, supplemented by account maintenance fees ($5–$8 monthly, waivable on balance or direct deposit), per-transaction fees on business checking ($0.15 per item), CD early withdrawal penalties, wire transfer fees ($15 domestic, $30 international incoming), and savings excess withdrawal fees ($0.50 after six per four-week period). The bank is FDIC insured since 1935, SAFE Act and CRA compliant, and operates as a sub-chapter S corporation under FSB Bankshares Inc. with no external institutional investors disclosed.
Integrity Bank firmographics
Firmographics- Name
- Integrity Bank
- Legal name
- Integrity Bank
- Website
- https://integrityks.bank
- Company type
- Private
- Founded year
- 1906
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Integrity Bank is a privately held community bank serving rural Southwest Kansas, operating four full-service branches in Cimarron, Fowler, Meade, and Montezuma with traditional deposit, consumer, agricultural, and commercial lending products plus online and mobile banking.
- Ownership category
- akta.pro rank
Where Integrity Bank is headquartered
LocationHeadquarters
- HQ city
- Fowler
- HQ country
- United States
- HQ region
- North America
Offices4 records
Markets served
Integrity Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Infrastructure, Marketing or Sales, Technology or R&D, Others
Revenue model
- Interest Income: Traditional banking revenue from interest earned on loans including consumer loans, agricultural loans, commercial loans, and mortgages. Interest-bearing checking accounts and savings accounts generate interest expense while loans generate interest income.
- Account Maintenance Fees: Monthly maintenance fees charged on checking accounts ranging from $5 to $8 depending on account type. Fees waived when minimum balance requirements are met.
- Certificate of Deposit Fees: Early withdrawal penalties on CDs ranging from 30 days to 6 months of interest depending on CD term length.
- Wire Transfer Fees: Incoming domestic wire transfers $15, incoming international wire transfers $30.
- Business Checking Transaction Fees: $0.15 per check, transfer, or ATM debit on Business Choice Checking accounts.
- Savings Withdrawal Fees: $0.50 per withdrawal for exceeding 6 withdrawals per month from savings accounts.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | E-Checking - $100 opening deposit, $7 monthly maintenance (waived with direct deposit or e-statements) |
| Subscription | Monthly | Choice Checking - $100 opening deposit, $7 monthly maintenance (waived if balance above $1,000) |
| Subscription | Monthly | Interest Checking - $1,000 opening deposit, $8 monthly maintenance (waived if balance above $1,000) |
| Subscription | Monthly | Money Market - $2,500 opening deposit, $8 monthly maintenance (waived if balance above $1,000) |
| Transaction based/ take rate | Monthly | Business Choice Checking - $100 opening deposit, $5 monthly + $0.15 per transaction |
| Subscription | Monthly | Business Interest Checking - $1,000 opening deposit, $8 monthly maintenance |
| Subscription | Semi-annually | Savings Account - $25 minimum, interest-bearing |
| Subscription | Quarterly | 3-Month CD - $500 minimum, quarterly interest |
| Subscription | Semi-annually | 6-Month CD - $500 minimum, semi-annual interest |
| Subscription | Semi-annually | 1-Year CD - $500 minimum, semi-annual interest |
| Subscription | Semi-annually | 2-Year CD - $500 minimum |
| Subscription | Semi-annually | 4-Year CD - No specified minimum |
| Subscription | Semi-annually | 5-Year CD - No specified minimum |
| Subscription | Semi-annually | IRA CDs - $100 minimum, 6-month to 4-year terms |
| Transaction based/ take rate | Pay-as-you-go | Wire Transfer Fees |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels7 records
Integrity Bank product offering
Product offeringCore offering
Integrity Bank is a community bank offering deposit products (checking accounts in multiple variants, savings accounts, certificates of deposit, and IRAs) and lending products (consumer, agricultural, and commercial loans) through four full-service branches in Southwest Kansas, supported by online and mobile banking channels. It generates revenue primarily from net interest income on its loan portfolio and from deposit-related service fees, with a vertical focus on local individual consumers, farmers, and small businesses in Meade and Gray Counties.
Product overview
Integrity Bank is a community bank serving Meade and Gray Counties, Kansas, with four full-service branch locations (Cimarron, Fowler, Meade, Montezuma). The product portfolio consists of traditional deposit and lending products — six checking account variants (E-Checking, Choice Checking, Interest Checking, Money Market, Business Choice Checking, Business Interest Checking), a Savings Account, Credit Cards, three loan categories (Consumer, Agricultural, Commercial), and CDs & IRAs in multiple term lengths — supplemented by digital banking services: Mobile Banking (iOS/Android apps), Online Banking (web platform with features including multifactor authentication, real-time transfers, eBills, Picture Pay, P2P payments, eVault, and Quicken/QuickBooks export), and Financial Calculators. The digital services are integrated add-on channels that complement the core deposit and lending products rather than a separate platform.
Differentiator
Problem solved
Functional benefit
Quantifiable outcome
- Four full-service branch locations serving Southwest Kansas communities
Companies that use Integrity Bank
Customer profileSegments3 records
Ideal customer profiles3 records
Integrity Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
Feature4 records
Integrity Bank partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core and minor.
- Farm Service Agency (FSA)coreFSA partnership financing for agricultural producers. The bank works with the Farm Service Agency to provide government-backed agricultural loans and financing options for farmers and ranchers in Southwest Kansas.
- Farmer MaccoreFarmer Mac partnership financing for agricultural customers. Provides secondary market and financing solutions for agricultural real estate and rural utilities loans.
- Yost ConstructionminorGeneral contractor that built the Montezuma branch location opened February 15, 2024. Located in Copeland, KS.
- Credit Card Program ProviderminorThird-party credit card program provider offering personal and business credit cards branded with Integrity Bank. Cards supported through apply.cardsupportcenter.com portal.
Scale indicators3 records
Recent moves12 records
Expansion highlights5 records
Integrity Bank competitors and assessment
Company assessmentDirect peers
- Intrust Bank: Intrust Bank is a Wichita, Kansas-based community bank providing consumer, commercial, and agricultural banking services across Kansas. It is directly comparable as a Kansas-headquartered community bank with similar deposit, lending, and digital banking product sets targeting rural and small-business customers.
- Sunflower Bank: Sunflower Bank is a Salina, Kansas-based community bank offering commercial, agricultural, and consumer banking products. It is comparable as another Kansas-based community bank serving similar rural and agricultural markets with traditional deposit and lending products.
- Equity Bank: Equity Bank is a Kansas and Missouri-headquartered community bank offering consumer, commercial, and agricultural lending products. It is comparable as a Midwest community bank with a similar mix of deposit accounts, loans, and digital banking services targeting rural and small-business customers.
- First National Bank of Hutchinson: First National Bank of Hutchinson is a Kansas-based community bank serving central Kansas with consumer and commercial banking services. It is comparable as a Kansas community bank with traditional deposit products, lending services, and community-focused operating model.
- Community National Bank & Trust: Community National Bank & Trust is a Kansas-based community bank offering consumer, agricultural, and commercial lending. It is comparable as a Kansas community bank serving rural markets with similar deposit and loan product offerings.
- Heartland Tri-State Bank: Heartland Tri-State Bank is a Kansas-based community bank serving the tri-state region with consumer, agricultural, and commercial banking products. It is comparable as a Kansas community bank with similar rural market focus and traditional banking product set.
- GNBank: GNBank (Great Nations Bank) is a Kansas-based community bank serving rural Kansas markets with consumer, commercial, and agricultural lending. It is comparable as a Kansas community bank with similar geographic focus on rural communities and traditional banking model.
- Citizens Bank of Kansas: Citizens Bank of Kansas is a Kansas-based community bank offering consumer and commercial banking services. It is comparable as a Kansas community bank with similar deposit and lending products serving local and rural markets.
- Bank of the Plains: Bank of the Plains is a Kansas-based community bank serving central and western Kansas with consumer, agricultural, and commercial banking products. It is comparable as a Kansas community bank with similar rural market focus and agricultural lending expertise.
- Cornerstone Bank: Cornerstone Bank is a Kansas-based community bank offering consumer, commercial, and agricultural lending products. It is comparable as a Kansas community bank with similar deposit account structure, lending services, and rural market focus.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Integrity Bank social profiles
Digital presenceIntegrity Bank compliance and trust
Trust signalCompliance4 records
Integrity Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Integrity Bank leadership team
Management profileNumber of profiles
Profiles11 records
Integrity Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Integrity Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Integrity Bank
What does Integrity Bank do?
Integrity Bank is a community bank offering deposit products (checking accounts in multiple variants, savings accounts, certificates of deposit, and IRAs) and lending products (consumer, agricultural, and commercial loans) through four full-service branches in Southwest Kansas, supported by online and mobile banking channels. It generates revenue primarily from net interest income on its loan portfolio and from deposit-related service fees, with a vertical focus on local individual consumers, farmers, and small businesses in Meade and Gray Counties.
Is Integrity Bank a public or private company?
Integrity Bank is a private company. It is classified as corporate owned and is currently operating.
When was Integrity Bank founded?
Integrity Bank was founded in 1906. It employs 1 to 10 people.
Where is Integrity Bank based?
Integrity Bank is headquartered in Fowler, United States, in the North America region.
How does Integrity Bank make money?
Six revenue lines are on record. Interest Income is the primary driver. The others are account Maintenance Fees, certificate of Deposit Fees, wire Transfer Fees, business Checking Transaction Fees and savings Withdrawal Fees.
Who are Integrity Bank's main competitors?
Direct peers on record are Intrust Bank, Sunflower Bank, Equity Bank, First National Bank of Hutchinson, Community National Bank & Trust, Heartland Tri-State Bank, GNBank, Citizens Bank of Kansas, Bank of the Plains and Cornerstone Bank.
Does Integrity Bank have an API?
No public API is recorded for Integrity Bank.