Integro Bank
Total assets
$195.6M
▲ +41.6% YoY
Deposits
$155.1M
▲ +34.1% YoY
Loans
$160.4M
▲ +68.6% YoY
Offices
1
ROA (annualized)
-1.03%
peers 1.24%
ROE (annualized)
-9.55%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | Integro Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +41.6% | +4.4% | +37.2 pts |
| Deposit growth (YoY) | +34.1% | +4.0% | +30.1 pts |
| Loan growth (YoY) | +68.6% | +5.6% | +63.0 pts |
| ROA | -1.03% | 1.24% | -2.3 pts |
| ROE | -9.6% | 11.9% | -21.4 pts |
ROA ranks in the 1st percentile of its peer group · Q2 2026
Profile
- Established
- 2022
- Charter
- State
- Primary regulator
- FDIC
- Specialization
- Commercial Lending Specialization
- Address
- 16215 N 28th Ave, Phoenix, AZ, 85053
- County
- Maricopa
- Metro area
- Phoenix-Mesa-Chandler, AZ
- Offices
- 1
- FDIC cert #
- 59283
- RSSD ID
- 5758436
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $195.6M | $155.1M | $160.4M | $20.1M | $-968K | -1.03% | 4.24% | 3.10% |
| Q1 2026 | $188.6M | $141.8M | $148.8M | $20.0M | $-458K | -1.00% | 4.16% | 2.40% |
| Q4 2025 | $177.6M | $133.6M | $135.3M | $20.7M | $2.7M | 1.90% | 4.40% | 2.46% |
| Q3 2025 | $155.1M | $127.5M | $100.6M | $20.8M | $3.4M | 3.43% | 4.30% | 5.18% |
| Q2 2025 | $138.2M | $115.6M | $95.2M | $16.2M | $-996K | -1.62% | 3.91% | 0.54% |
| Q1 2025 | $119.6M | $93.4M | $91.6M | $14.3M | $-927K | -3.21% | 4.00% | 0.62% |
| Q4 2024 | $111.8M | $83.6M | $85.7M | $15.1M | $-3.9M | -5.03% | 4.19% | 1.34% |
| Q3 2024 | $94.6M | $76.7M | $65.8M | $15.7M | $-3.5M | -6.75% | 3.96% | 1.60% |
Loan mix (Q2 2026): real estate $137.0M · commercial $27.2M · consumer $0 · securities $9.6M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Integro Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.03% | 1.24% | — | |
Return on equity Annualized net income ÷ equity or net worth | -9.6% | 11.9% | — | |
Net interest margin Interest income − interest expense, ÷ assets | 4.24% | 3.96% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 108.2% | 62.9% | — | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Integro Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Integro Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Integro Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Integro Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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