BlastPoint's Banking Scorecard
Integro Bank
$100M-$1B
Specialty: Commercial
AZ
FDIC cert 59283
Phoenix, AZ
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 8 in AZ.
- Deposits +34.1% year over year ($155.1M on the books).
- Delinquency rate 3.78%.
- Return on assets -1.03%.
- Efficiency ratio 108.16% vs a 64.48% peer average.
- Loan-to-deposit ratio 103.45% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
2643
banks in the $100M-$1B peer group nationally
8 in AZ
View $100M-$1B leaderboard (AZ) →
Integro Bank has 1 strength but faces 5 concerns
Key Strengths include matched growth signatures,
metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures,
metrics ranked in the bottom 10%, and values meaningfully below the tier average.
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.26% above tier average
Key Concerns
Areas that may need attention
- - Return on Assets 2.36% below tier average
- - Efficiency Ratio 43.68% above tier average
- - Delinquency Rate 2.86% above tier average
- - Loan-to-Deposit Ratio 25.50% above tier average
- - Nonperforming Asset Ratio 2.43% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$195.6M
+41.6% YoY
+3.7% QoQ
|
-$191.0M |
$386.6M
+1.2% YoY
|
$17.4B
+6.1% YoY
|
$6.3B
+7.7% YoY
|
26% |
| Total Loans ? |
$160.4M
+68.6% YoY
+7.8% QoQ
|
-$97.9M |
$258.3M
+1.7% YoY
|
$9.3B
+8.2% YoY
|
$3.2B
+9.4% YoY
|
38% |
| Total Deposits ? |
$155.1M
+34.1% YoY
+9.3% QoQ
|
-$171.7M |
$326.7M
+0.7% YoY
|
$14.8B
+6.2% YoY
|
$4.9B
+7.3% YoY
|
23% |
| Return on Assets ? |
-1.03%
+36.1% YoY
-3.3% QoQ
|
-2.36% |
1.32%
+10.8% YoY
|
0.35%
+477.8% YoY
|
1.30%
+12.1% YoY
|
Bottom 1.2% in tier |
| Net Interest Margin ? |
4.24%
+8.6% YoY
+2.1% QoQ
|
+0.26% |
3.99%
+5.0% YoY
|
3.96%
+2.3% YoY
|
3.95%
+4.9% YoY
|
67% |
| Efficiency Ratio ? |
108.16%
-13.5% YoY
-3.1% QoQ
|
+43.68% |
64.48%
-3.2% YoY
|
81.56%
-13.3% YoY
|
70.05%
+2.5% YoY
|
Bottom 1.6% in tier |
| Delinquency Rate ? |
3.78%
+381.5% YoY
+24.3% QoQ
|
+2.86% |
0.92%
+15.7% YoY
|
1.46%
+76.6% YoY
|
0.98%
+16.3% YoY
|
Bottom 3.9% in tier |
| Loan-to-Deposit Ratio ? |
103.45%
+25.7% YoY
-1.4% QoQ
|
+25.50% |
77.95%
+1.0% YoY
|
84.92%
+5.8% YoY
|
79.03%
+2.3% YoY
|
Bottom 6.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
17.53%
+71.0% YoY
+30.3% QoQ
|
-4.50% |
22.03%
-0.6% YoY
|
24.29%
+4.4% YoY
|
21.98%
-0.6% YoY
|
34% |
| Nonperforming Asset Ratio ? |
3.10%
+473.3% YoY
+29.3% QoQ
|
+2.43% |
0.67%
+16.4% YoY
|
1.10%
+71.6% YoY
|
0.69%
+15.8% YoY
|
Bottom 3.0% in tier |
| Tier 1 Capital Ratio ? |
9.93%
-21.3% YoY
-7.4% QoQ
|
-5.98% |
15.91%
+1.4% YoY
|
14.82%
-13.7% YoY
|
17.09%
+0.8% YoY
|
Bottom 9.7% in tier |
| Non-Interest Income / Assets ? |
0.41%
-42.8% YoY
+125.3% QoQ
|
-0.16% |
0.57%
+7.6% YoY
|
0.29%
-0.6% YoY
|
0.66%
+5.2% YoY
|
Top 14.2% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
17.5%
+7.3pp YoY +4.1pp QoQ |
-4.6pp | 22.1% | 24.3% | 22.2% | 34% |
| Brokered Deposits |
6.8%
+6.8pp YoY +1.5pp QoQ |
-1.1pp | 7.9% | 7.6% | 8.5% | 63% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
17.0%
-2.3pp YoY -0.9pp QoQ |
+5.4pp | 11.6% | 20.4% | 12.5% | 82% |
| CRE |
71.6%
+9.2pp YoY +4.6pp QoQ |
+32.1pp | 39.5% | 53.9% | 41.4% | 94% |
| 1-4 Family |
13.1%
-5.0pp YoY -3.1pp QoQ |
-19.6pp | 32.6% | 22.4% | 31.3% | 16% |
| Consumer | n/a | n/a | 4.1% | 11.3% | 5.0% | n/a |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 16.6% | 19.7% | n/a |
| Leverage Ratio |
9.9%
-2.7pp YoY -0.8pp QoQ |
-2.2pp | 12.2% | 11.4% | 12.6% | 29% |
| Total Capital Ratio | n/a | n/a | 19.9% | 17.8% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
36
+1 (+2.9%) YoY 0 QoQ |
-23 | 58 | 1,366 | 482 | 36% |
| Assets per Employee ($) |
$5.4M
+37.6% YoY +3.7% QoQ |
-$2.1M | $7.5M | $9.6M | $8.8M | 21% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 6 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | 0.3% | 0.0pp | 0.3% | 1.2% | 0.4% | 75% |
| Nonaccrual |
3.5%
+2.7pp YoY +0.4pp QoQ |
+2.5pp | 0.9% | 1.5% | 1.0% | 95% |
| Allowance Coverage |
0.51x
-56.8% YoY -13.3% QoQ |
-23.64x | 24.15x | 2.94x | 20.23x | 10% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.6% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
-9.6%
+3.5pp YoY -0.5pp QoQ |
-21.7pp | 12.2% | 4.1% | 11.6% | 1% |
| Cost of Funds (YTD) |
2.9%
-0.3pp YoY 0.0pp QoQ |
+1.2pp | 1.7% | 1.9% | 1.7% | 96% |
| Net Income ($, YTD) |
$-968000.0
+2.8% YoY — QoQ |
-$3.5M | $2.6M | $88.2M | $40.4M | 2% |
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$250B+
12 performance metrics with tier, state, and national benchmarks
Signature behaviors (strengths & concerns)
Metric and signature rankings across 4,287 FDIC-insured banks
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths are growth signatures this bank matches
(e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches
(e.g. Margin Compression, Credit Quality Pressure).
Strengths (0)
No matched strength signatures this quarter
Concerns (0)
No matched concern signatures this quarter
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.
Strengths are metrics in the top 25%
(75th percentile or higher).
Concerns are metrics in the bottom 25%
(25th percentile or lower).
Top Strengths (1 metrics)
377
Non-Interest Income / Assets
revenue_mix
Value:
0.41%
Peer Median: 0.57%
#377 of 2643
Top 14.2% in $100M-$1B
Top Weaknesses (7 metrics)
2611
Return on Assets
profitability
Value:
-1.03%
Peer Median: 1.32%
#2611 of 2643
Bottom 1.2% in $100M-$1B
2603
Efficiency Ratio
profitability
Value:
108.16%
Peer Median: 64.48%
#2603 of 2643
Bottom 1.6% in $100M-$1B
2564
Nonperforming Asset Ratio
credit_quality
Value:
3.10%
Peer Median: 0.67%
#2564 of 2643
Bottom 3.0% in $100M-$1B
2531
Delinquency Rate
credit_quality
Value:
3.78%
Peer Median: 0.92%
#2531 of 2633
Bottom 3.9% in $100M-$1B
2467
Loan-to-Deposit Ratio
liquidity
Value:
103.45%
Peer Median: 77.95%
#2467 of 2643
Bottom 6.7% in $100M-$1B
2387
Tier 1 Capital Ratio
capital
Value:
9.93%
Peer Median: 15.91%
#2387 of 2643
Bottom 9.7% in $100M-$1B
2047
Total Deposits
size
Value:
$155.06M
Peer Median: $326.73M
#2047 of 2643
Bottom 22.6% in $100M-$1B