FDIC Cert #59283 · Phoenix, Arizona · Est. 2022

Integro Bank - FDIC Bank Health Profile

A community-scale look at Integro Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$178M
Total assets
B
Health grade · Good
1.90%
Return on assets
12.0%
Tier 1 capital

Data updated July 2026

The verdict

Integro Bank earns a PlainBankData health grade of B (71/100), with well-capitalized at 12.00% Tier 1, profitable at 1.90% ROA, 66% efficiency ratio.

#3,168
largest of 4,313 FDIC banks by assets
27th
percentile by asset size, nationally
12.00%
Tier 1 ratio - above the 10% well-capitalized line
88th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 59283 · AZ B · 71/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-HEALTHY · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-B B (71/100)
  • MID-PACK #2934/4307
  • PHOTO-FINISH Loyal Trust Bank · GA
  • TIER1-WELL 12.0% Tier 1
  • TEXAS-HEALTHY 18.9% Texas
  • ROA-STRONG 1.90% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Arizona: Loyal Trust Bank, GA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Integro Bank

Lowest and highest poles plus nearest scored peers outside Arizona, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100BankUnited, National… · FL ·…71/100Integro Bank · AZ · this bank71/100Loyal Trust Bank · GA · near71/100Lusitania Savings Bank · NJ …71/100Toyota Financial Sav… · NV ·…71/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Integro Bank · July 2026

Call Report read for Integro Bank in a high-failure state

Integro Bank (FDIC Cert #59283) carries a PlainBankData health grade of B at 71/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,934 of 4,307. Tier 1 capital prints at 12.00%, clearing the 10% well-capitalized line. The Texas Ratio is 18.94%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.90%. Balance-sheet scale is $178M, 3,168th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Loyal Trust Bank (GA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Integro Bank

16 FAILURE resolutions in Arizona since 2000, heavy vs the state corpus

Integro Bank sits in one of the heavier post-2000 FAILURE states (16 resolutions; latest year 2013). The list below is state history from the Failed Bank List, not a claim about Integro Bank's current Call Report.

  • SUNRISE BANK OF ARIZONA PHOENIX, AZ 2013 → FIRST FIDELITY BANK, NATIONAL ASSOCIATION
  • CENTRAL ARIZONA BANK SCOTTSDALE, AZ 2013 → WESTERN STATE BANK
  • GOLD CANYON BANK GOLD CANYON, AZ 2013 → FIRST SCOTTSDALE, NATIONAL ASSOCIATION

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Arizona banks.

How Integro Bank's 71/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10071/100
Integro Bank's composite health score
Tier 1 Capital Ratio (12.00%) 28/40
Return on Assets (ROA) (1.90%) 25/25
Texas Ratio (18.94%) 10/20
Efficiency Ratio (65.95%) 8/15

71 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$178M

Total balance-sheet footings

Total Deposits

$134M

Customer-funded liabilities

Net Loans

$135M

Outstanding loan book

Net Income

$3M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.6% 12% 13.4%
Basel III capital ratios - Integro Bank

Where Integro Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Integro Bank's score of 71/100 falls in the highlighted band.

Integro Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

71 32nd percentile higher than 32% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Integro Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Integro Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Integro Bank's $178M falls in the highlighted band.

Capital & credit buffers at Integro Bank

Tier 1 capital ratio
Well-capitalized 10%

12.00% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
12.00%
Texas Ratio
18.94%
Equity Capital
$21M

What these ratios mean →

Earnings posture at Integro Bank

Return on Assets (ROA)
88th percentile nationally
1.90%
Return on Equity (ROE)
15.32%
Efficiency Ratio
65.95%

What these mean →

Income & expense at Integro Bank

$10M
Interest Income
$7M
Non-Interest Income
$9M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Integro Bank reports a Texas Ratio of 18.94% - within the generally healthy range below the 50% level analysts watch.

Texas Ratio
Caution 50%

18.94% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Integro Bank on FDIC BankFind →

Top banks in Arizona by total assets

Largest banks headquartered in Arizona
  1. 1
    USAA Federal Savings Bank $108.0B

    Phoenix, AZ · Grade B

  2. 2
    Western Alliance Bank $92.7B

    Phoenix, AZ · Grade B

  3. 3
    BNC National Bank $1.1B

    Glendale, AZ · Grade B

  4. 4
    Southwest Heritage Bank $894M

    Scottsdale, AZ · Grade B

  5. 5
    1st Bank Yuma $553M

    Yuma, AZ · Grade F

Top 5 banks in Arizona ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($178M here), outside Arizona so the neighborhood is not state containment.

FIRST NATIONAL BANK OF NOKOMIS $178M · IL State Bank of Whittington $177M · IL Foundation One Bank $178M · NE Brickyard Bank $177M · IL

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Integro Bank (FDIC Cert #59283) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Integro Bank Call Report profile · FDIC Failed Bank List · Arizona FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Arizona

All Arizona banks →
BankAssetsGradeROA
USAA Federal Savings BankPhoenix $108.0B B 0.40%
Western Alliance BankPhoenix $92.7B B 1.10%
BNC National BankGlendale $1.1B B 1.00%
Southwest Heritage BankScottsdale $894M B 0.98%
1st Bank YumaYuma $553M F 1.81%
Goldwater Bank, N.A.Phoenix $515M C 0.85%
Gateway Commercial BankMesa $228M A 1.16%
Mission BankKingman $186M B 0.37%