Integro Bank
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Data as of · sourced from FFIEC call reports. How we update
Integro Bank is an FDIC-insured commercial bank headquartered in Phoenix, AZ, established in 2022 (FDIC certificate 59283), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $195.6M, up 41.6% from Q2 2025, the 7th largest of 12 banks headquartered in Arizona. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.93% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 59283
- Headquarters
- Phoenix, AZ
- Established
- 2022
- Total assets, Q2 2026
- $195.6M
- Assets vs Q2 2025
- +41.6%
- Tier 1 leverage ratio, Q2 2026
- 9.93%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 122106484
- Asset rank in state
- 7th of 12 in Arizona
Problem loans are rising at Integro Bank. The Phoenix, Arizona bank had $196 million in assets at June 30, 2026, up 41.6% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.16% of loans from 0.78% a year earlier. It loses about $1.04 a year on every $100 of assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). It also spends about 105 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
It lost $510,000 in the quarter. Delinquency has appeared in its $27 million commercial and industrial book: 5.78% of those loans are past due or on nonaccrual, against almost none a year earlier. Funding is the softer spot: it pays an average of 3.72% on its deposits and borrowings, about double the median of 1.80% for banks its size.
As of June 30, 2026, Integro Bank reported a return on assets of -1.04%, a nonperforming-loan ratio of 3.71% and a Texas ratio of 8.41%. The figures come from its call report filed with the FFIEC.
Of the 12 banks headquartered in Arizona, Integro Bank is the 7th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 3.7% to $195.6M, loans rose 8.0% and deposits rose 9.3%. Its loan book on June 30, 2026 was led by owner-occupied commercial real estate loans, at 45.1% of total loans, followed by commercial and industrial loans at 16.6%. The FDIC Summary of Deposits lists a single office for it, in Phoenix, AZ. On its Q2 2026 call report, Integro Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 16215 N 28th Ave, Phoenix, AZ 85053
- County
- Maricopa
- Metro Area
- Phoenix-Mesa-Chandler, AZ
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 21, 2022
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 36
- Domestic deposits
- $155.1M
- Allowance for credit losses
- $3.1M
- Net charge-offs (YTD)
- $0
- Average total assets
- $197.0M
- Average total loans
- $156.1M
- Average interest-bearing deposits
- $114.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 21, 2022
- FDIC Cert
- 59283
- Fed RSSD
- 5758436
- Website
- www.integrobank.com →
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Integro Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Integro Bank's total assets ranged from $44.2M (Q3 2023) to $195.6M (Q2 2026), and it earned a profit in 1 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$195.6M total assets against $138.2M; $175.5M total liabilities against $122.0M.
$160.4M net loans and leases against $95.2M; $155.1M total deposits against $115.6M.
$9.6M securities against $3.6M; $15.8M cash and balances due against $34.2M.
$3.3M total interest income against $2.2M; $1.3M total interest expense against $1.0M.
$2.0M net interest income against $1.2M.
$457K total noninterest income against $937K; $2.5M total noninterest expense against $2.2M.
$435K provision for credit losses against $56K.
-$510K net income against -$69K.
-1.04% return on assets against -0.22%; 4.11% net interest margin against 3.82%.
9.93% tier 1 leverage ratio against 12.63%.
Inside the full Integro Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Integro Bank rankings
Its closest position to the top of a national ranking is 782 of 3,640, for Texas Ratio; its furthest is 3,572 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -5.58% (Q3 2024) to 11.85% (Q3 2025) and its net interest margin ran from 3.80% (Q3 2024) to 4.87% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.93% | -1.04% | 3.71% | 8.41% | 4.11% |
| Q1 2026 | 10.73% | -1.01% | 2.99% | 5.15% | 4.11% |
| Q4 2025 | 12.00% | -1.70% | 3.17% | 4.88% | 4.66% |
| Q3 2025 | 13.67% | 11.85% | 7.83% | 20.81% | 4.87% |
| Q2 2025 | 12.63% | -0.22% | 0.78% | 4.50% | 3.82% |
| Q1 2025 | 12.88% | -3.39% | 0.81% | 5.02% | 4.21% |
| Q4 2024 | 15.70% | -1.67% | 1.73% | 9.42% | 4.86% |
| Q3 2024 | 20.82% | -5.58% | 2.28% | 9.33% | 3.80% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| Integro Bank (main office) | Phoenix , AZ | 85053 | $155.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in AZ, rank 40 of 57 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 23 loans, $29.5M approved, $1.3M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (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 Integro Bank
What are Integro Bank's total assets?
As of the Q2 2026 filing, Integro Bank reported total assets of $195.6 million in its FFIEC call report.
Where is Integro Bank headquartered?
It is headquartered in Phoenix, AZ, United States.
When was Integro Bank founded?
It was established in 2022, per the FDIC institution directory.
Is Integro Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #59283). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Integro Bank?
Integro Bank's primary federal regulator is the FDIC.
How many branches does Integro Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Integro Bank's Texas Ratio?
Its Texas Ratio is 8.41% 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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