Integro Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The largest change between Q1 2026 and Q2 2026 was in Total interest expense, which rose 6.9% to $1.3M. Within Arizona, Integro Bank is 4th of 12 on net interest margin, 4.11% as of Q2 2026. Integro Bank reported 4.11% on net interest margin for Q2 2026, 0.17 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.89% |
| Yield on loans | 7.51% |
| Yield on securities | 4.97% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.72% |
| Cost of interest-bearing deposits | 3.77% |
| Cost of interest-bearing liabilities | 3.60% |
| Cost of borrowings | 11.06% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.11% |
| Yield to cost spread | 3.29% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.9M |
| Total interest expense | $1.3M |
| Interest expense on deposits | $1.2M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.79% | 3.20% | 4.19% | 9.17% | 5.28% |
| Q4 2023 | 7.55% | 3.59% | 5.47% | 9.55% | 5.20% |
| Q1 2024 | 7.26% | 3.41% | 4.64% | 8.09% | 6.43% |
| Q2 2024 | 7.19% | 4.16% | 4.22% | 8.34% | 6.36% |
| Q3 2024 | 7.72% | 5.20% | 3.80% | 8.68% | 6.55% |
| Q4 2024 | 7.67% | 3.42% | 4.86% | 8.74% | 5.00% |
| Q1 2025 | 7.60% | 3.97% | 4.21% | 8.27% | 5.06% |
| Q2 2025 | 7.01% | 3.92% | 3.82% | 8.11% | 3.75% |
| Q3 2025 | 8.01% | 3.94% | 4.87% | 9.55% | 5.36% |
| Q4 2025 | 7.55% | 3.74% | 4.66% | 8.67% | 5.32% |
| Q1 2026 | 6.93% | 3.60% | 4.11% | 7.54% | 4.69% |
| Q2 2026 | 6.89% | 3.72% | 4.11% | 7.51% | 4.97% |
Integro Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Integro Bank, freeSource: Call Report Schedules RI and RC-K, 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)