Integro Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 38.58 percentage points higher than in Q1 2026, at 198.04%. 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.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $163.5M |
| Net loans and leases | $160.4M |
| Loans held for sale | $0 |
| Loans to total assets | 83.60% |
| Loan-to-deposit ratio | 105.45% |
| Net loans to equity capital | 7.97% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 56.39% |
| Multifamily (5+ residential) | 7.26% |
| Commercial and industrial | 16.57% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 0.70% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 198.04% |
| Construction concentration (Tier 1 capital + allowance) | 46.04% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.51% |
| Interest income on loans | $2.9M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $19.3M | $22.0M | 30.42% | 48.89% | 0.00% |
| Q4 2023 | $33.7M | $31.9M | 36.89% | 54.33% | 0.00% |
| Q1 2024 | $41.0M | $43.1M | 45.05% | 46.89% | 0.00% |
| Q2 2024 | $50.1M | $47.9M | 38.49% | 54.02% | 0.00% |
| Q3 2024 | $66.3M | $76.7M | 50.32% | 27.23% | 0.00% |
| Q4 2024 | $86.5M | $83.6M | 58.82% | 21.23% | 0.00% |
| Q1 2025 | $92.4M | $93.4M | 53.91% | 20.51% | 0.00% |
| Q2 2025 | $96.0M | $115.6M | 52.63% | 19.11% | 0.00% |
| Q3 2025 | $102.6M | $127.5M | 52.92% | 19.27% | 0.00% |
| Q4 2025 | $137.7M | $133.6M | 54.70% | 14.33% | 0.00% |
| Q1 2026 | $151.4M | $141.8M | 52.81% | 17.53% | 0.00% |
| Q2 2026 | $163.5M | $155.1M | 56.39% | 16.57% | 0.00% |
Integro Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Integro Bank, freeSource: Call Report Schedule RC-C, 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)