Integro Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Loans and leases to core deposits: 5.86 percentage points lower than in Q1 2026, at 124.34%. Integro Bank ranks 4th of 12 Arizona banks on loan-to-deposit ratio, in the upper half at 105.45% (Q2 2026). Integro Bank reported 105.45% on loan-to-deposit ratio for Q2 2026, 24.89 points above the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $15.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $25.3M |
| Fed funds sold and reverse repos | $14.9M |
| Fed funds sold and reverse repos to assets | 7.64% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $19.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 9.83% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 105.45% |
| Net loans and leases to deposits | 103.45% |
| Loans and leases to core deposits | 124.34% |
| Core deposits to total deposits | 78.03% |
| Brokered deposits to total deposits | 6.77% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 87.81% | 91.97% | $0 | $1.7M |
| Q4 2023 | 105.62% | 91.31% | $0 | $1.7M |
| Q1 2024 | 95.10% | 93.01% | $0 | $1.7M |
| Q2 2024 | 104.61% | 91.54% | $0 | $1.7M |
| Q3 2024 | 86.53% | 87.73% | $0 | $1.6M |
| Q4 2024 | 103.41% | 85.84% | $0 | $12.1M |
| Q1 2025 | 98.94% | 86.21% | $0 | $11.1M |
| Q2 2025 | 83.05% | 84.77% | $0 | $5.5M |
| Q3 2025 | 80.41% | 85.55% | $0 | $5.6M |
| Q4 2025 | 103.08% | 80.97% | $0 | $20.6M |
| Q1 2026 | 106.77% | 76.69% | $0 | $25.6M |
| Q2 2026 | 105.45% | 78.03% | $0 | $19.2M |
Integro Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Integro Bank, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Integro Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59283) · FFIEC NIC profile (RSSD 5758436)