Integro Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 7.79 percentage points in Q2 2026, from 58.74% to 50.95%. It was the largest change from Q1 2026 among the key lines here. On return on assets, Integro Bank is 2nd from the bottom among 12 Arizona banks, -1.04% (Q2 2026). Integro Bank's return on assets of -1.04% is well below the 1.26% median for banks in the $100M-1B asset tier, a gap of 2.29 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.93% |
| Equity capital to assets | 10.29% |
| Tangible equity to tangible assets | 9.95% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 3.71% |
| Non-performing assets ratio | 3.10% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 8.41% |
| Allowance for credit losses to loans | 1.89% |
| Reserve coverage of non-performing loans | 50.95% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -1.04% |
| Return on equity | -10.16% |
| Net interest margin | 4.11% |
| Efficiency ratio | 105.12% |
| Yield on earning assets | 6.89% |
| Cost of funds | 3.72% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 105.45% |
| Core deposits to total deposits | 78.03% |
| Brokered deposits to total deposits | 6.77% |
| Deposits to assets | 79.28% |
| Securities to assets | 4.89% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 45.64% | -11.96% | 4.19% | 0.00% | 0.00% |
| Q4 2023 | 40.24% | -11.44% | 5.47% | 0.00% | 0.00% |
| Q1 2024 | 31.90% | -8.52% | 4.64% | 3.69% | 0.00% |
| Q2 2024 | 25.06% | -7.72% | 4.22% | 3.02% | 0.00% |
| Q3 2024 | 20.82% | -5.58% | 3.80% | 2.28% | 0.00% |
| Q4 2024 | 15.70% | -1.67% | 4.86% | 1.73% | 0.00% |
| Q1 2025 | 12.88% | -3.39% | 4.21% | 0.81% | 0.00% |
| Q2 2025 | 12.63% | -0.22% | 3.82% | 0.78% | 0.00% |
| Q3 2025 | 13.67% | 11.85% | 4.87% | 7.83% | 0.00% |
| Q4 2025 | 12.00% | -1.70% | 4.66% | 3.17% | 0.00% |
| Q1 2026 | 10.73% | -1.01% | 4.11% | 2.99% | 0.00% |
| Q2 2026 | 9.93% | -1.04% | 4.11% | 3.71% | 0.00% |
Integro Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Integro Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)