Total Assets
$178M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$134M
Customer-funded liabilities
Net Loans
$135M
Outstanding loan book
Net Income
$3M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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.
Safety metrics
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
Profitability metrics
Return on Assets (ROA)
88th percentile nationally
1.90%
Return on Equity (ROE)
15.32%
Efficiency Ratio
65.95%
What the numbers say about Integro Bank
Integro Bank is an FDIC-insured institution (Certificate #59283) headquartered in Phoenix, Arizona, established in 2022. It holds $178M in total assets - 3,168th of 4,313 FDIC-insured banks, $134M in customer deposits, and $135M in net loans. Looking at capital strength, Tier 1 stands at 12.00%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 18.94%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of B (71/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Arizona, Integro Bank ranks 9th of 13 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$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.
Top banks in Arizona by total assets
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.
Other banks in Arizona
All Arizona banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Integro Bank's health grade?▼
Integro Bank receives a health grade of B (71/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Integro Bank?▼
Integro Bank holds $178M in total assets and $134M in deposits, ranking 3,168th of 4,313 FDIC-insured banks by asset size. It is headquartered in Phoenix, Arizona.
Is my money safe at Integro Bank?▼
Yes, deposits at Integro Bank (Certificate #59283) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Integro Bank's Tier 1 Capital Ratio?▼
Integro Bank has a Tier 1 Capital Ratio of 12.00%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Integro Bank?▼
Integro Bank has a Texas Ratio of 18.94%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Integro Bank?▼
Integro Bank has an Efficiency Ratio of 65.95%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Integro Bank's profile as a depositor or analyst.
- Integro Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Integro Bank against other Arizona banks before moving funds. Arizona banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.