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Integro Bank

Phoenix, AZ · Cert 59283

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

21

Q2 2024Q2 2026peer median (50)

Asset Quality

53

Q2 2024Q2 2026peer median (50)

Profitability

25

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

6

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Integro Bank

Phoenix, AZ · Cert 59283

State charter, non-member · FDIC · 1 branch

Q2 2026

$195.6MAssets
$163.5MLoans
$155.1MDeposits
$20.1MEquity
Loan mix
82%RE $124.9M18%C&I $26.5M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $127.9M18%Noninterest $27.2MQ2 2025Q2 2026

NIM

6.30%Q2 ’246.76%Q2 ’256.44%Q2 ’26-3%+3%

Non-interest income vs. expense

10.92%Q2 ’246.61%Q2 ’255.02%Q2 ’26-54%-16%

Market Position · Phoenix-Mesa-Chandler, AZ · 2026 SOD (annual) · 0.1% share · #35 of 55 inst. · $0.2B of $192.0B

Executive Summary

  • Earnings: ROA of -1.03%, up 58 bps year over year; NIM at 3.84%.
  • Asset quality: problem loans at 3.71% of loans (+293 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.93%, down 269 bps from a year ago.
  • Funding: loans stand at 105.45% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-1.03%+58 bps YoY

Net Interest Margin (YTD, annualized)

3.84%+12 bps YoY

Efficiency Ratio (YTD, annualized)

108.16%-1,684 bps YoY

Tier 1 Leverage Ratio

9.93%-269 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-1.62%3.43%1.90%-1.00%-1.03%+58 bps
Return on Equity-13.09%27.08%15.32%-9.01%-9.55%+354 bps
Net Interest Margin3.73%3.68%3.58%4.00%3.84%+12 bps
Efficiency Ratio125.00%57.76%65.95%111.59%108.16%-1,684 bps
Non-Interest Burden5.03%-0.45%0.83%4.54%4.21%-83 bps
Growth
Asset Growth (YoY)107.42%63.84%58.87%57.74%41.58%-6,585 bps
Loan Growth (YoY)91.60%54.61%59.25%63.83%70.25%-2,135 bps
Deposit Growth (YoY)141.33%66.39%59.76%51.82%34.09%-10,724 bps
Asset Quality
Nonperforming Loans / Loans0.78%7.83%3.17%2.99%3.71%+293 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.92%1.86%1.72%1.75%1.89%+97 bps
Allowance Coverage of NPLs1.2x0.2x0.5x0.6x0.5x-0.7x
Capital
Tier 1 Leverage Ratio12.63%13.67%12.00%10.73%9.93%-269 bps
Total Risk-Based Capital12.63%13.67%12.00%10.73%9.93%-269 bps
Equity / Assets11.72%13.40%11.64%10.61%10.29%-144 bps
Liquidity & Funding
Loans / Deposits83.05%80.41%103.08%106.77%105.45%+2,240 bps
Liquid Assets / Assets4.45%16.94%0.34%0.30%0.34%-411 bps
CRE / Total Capitaln/a346%488%514%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Integro Bank

Phoenix, AZ · Cert 59283 · Peer group: banks under $1B in assets (n=581-629)

State charter, non-member · FDIC · 1 branch

Q2 2026

$195.6MAssets
$163.5MLoans
$155.1MDeposits
$20.1MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
  • Widest gap: return on equity trails 97% of banks under $1B in assets (rank 609 of 629).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

-0.99%

Rank 598 of 629

Net Interest Margin

3.84%

Rank 212 of 629

Efficiency Ratio

108.16%

Rank 591 of 629

Equity / Assets

10.29%

Rank 353 of 629

Non-interest income vs. expense

$1.6M$9.9MINCOMEEXPENSE
Unfavorable gap of $8.3M · efficiency ratio beats 6% of banks under $1B in assets
Bank 108.16%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-0.99%0.60%1.01%1.45%Beats 5%598 / 629
Return on Equity-9.62%5.38%9.30%13.28%Beats 3%609 / 629
Net Interest Margin3.84%3.03%3.54%4.05%Beats 66%212 / 629
Efficiency Ratio108.16%58.35%67.79%79.08%Beats 6%591 / 629
Asset Quality
Nonperforming Loans / Loans3.71%0.09%0.46%1.20%Beats 5%555 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio9.93%11.24%13.84%18.77%Beats 10%566 / 629
Total Risk-Based Capital Ratio9.93%11.58%14.43%19.66%Beats 9%570 / 629
Equity / Assets10.29%9.09%10.65%13.80%Beats 44%353 / 629
Liquidity & Funding
Loans / Deposits105.45%67.24%80.90%93.48%92nd pctl47 / 594
Loans / Assets83.60%53.31%67.71%78.15%89th pctl68 / 629
Brokered Deposits / Depositsn/aNot reported for this institution