BlastPoint's Banking Scorecard
Integro Bank
Micro
Specialty: Commercial
AZ
FDIC cert 59283
Designations: ✓ Community bank
Phoenix, AZ
2498
banks in Micro tier nationally
7 in AZ
View Micro leaderboard (AZ) →
Integro Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 26.77% above tier
- + Non-Interest Income / Assets 3.61% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.58% above tier
- - Nonperforming Asset Ratio 2.00% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$177.6M
+58.9% YoY
+14.5% QoQ
|
-$39.9M |
$217.5M
+2.3% YoY
|
$17.0B
+5.7% YoY
|
$5.9B
+6.5% YoY
|
45% |
| Total Loans ? |
$135.3M
+57.9% YoY
+34.5% QoQ
|
-$3.9M |
$139.2M
+2.8% YoY
|
$9.0B
+5.8% YoY
|
$3.1B
+8.5% YoY
|
55% |
| Total Deposits ? |
$133.6M
+59.8% YoY
+4.7% QoQ
|
-$50.1M |
$183.7M
+1.8% YoY
|
$14.5B
+5.2% YoY
|
$4.7B
+6.3% YoY
|
40% |
| Return on Assets ? |
1.90%
+137.8% YoY
-44.6% QoQ
|
+0.82% |
1.08%
+14.7% YoY
|
0.25%
+127.0% YoY
|
1.12%
+15.6% YoY
|
Top 12% in tier |
| Net Interest Margin ? |
4.40%
+4.9% YoY
+2.4% QoQ
|
+0.55% |
3.85%
+6.6% YoY
|
4.02%
+5.8% YoY
|
3.75%
+7.1% YoY
|
76% |
| Efficiency Ratio ? |
65.95%
-64.6% YoY
+14.2% QoQ
|
-1.77% |
67.73%
-4.8% YoY
|
85.64%
-13.8% YoY
|
65.09%
-5.1% YoY
|
51% |
| Delinquency Rate ? |
3.22%
+84.8% YoY
-59.6% QoQ
|
+2.58% |
0.64%
+24.4% YoY
|
1.24%
+35.9% YoY
|
0.66%
+20.3% YoY
|
Bottom 6% in tier |
| Loan-to-Deposit Ratio ? |
101.30%
-1.2% YoY
+28.4% QoQ
|
+26.77% |
74.53%
+0.5% YoY
|
82.13%
-1.4% YoY
|
78.04%
+0.7% YoY
|
Top 8% in tier |
| Non-Interest-Bearing Deposit Share ? |
15.50%
+14.6% YoY
+18.0% QoQ
|
-6.90% |
22.39%
-1.3% YoY
|
23.21%
-3.7% YoY
|
21.79%
-1.3% YoY
|
25% |
| Nonperforming Asset Ratio ? |
2.46%
+83.7% YoY
-52.6% QoQ
|
+2.00% |
0.45%
+25.1% YoY
|
0.90%
+22.8% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
11.10%
+38.8% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
4.17%
+417.3% YoY
-3.9% QoQ
|
+3.61% |
0.56%
+0.3% YoY
|
0.77%
+36.7% YoY
|
0.65%
+0.6% YoY
|
Top 1% in tier |
Signature Analysis
Strengths (2)
Loan-to-Deposit Ratio
metric
Top 8%
in Micro
Why this stands out
Current:
101.30%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest Income / Assets
metric
Top 1%
in Micro
Why this stands out
Current:
4.17%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (2)
Delinquency Rate
metric
Bottom 6%
in Micro
Why this stands out
Current:
3.22%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
2.46%
(Tier avg: 0.45%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
99
99th pctile
Non-Interest Income / Assets
Current: 4.17% · Tier avg: 0.56%
92
92th pctile
Loan-to-Deposit Ratio
Current: 101.30% · Tier avg: 74.53%
88
88th pctile
Return on Assets
Current: 1.90% · Tier avg: 1.08%
76
76th pctile
Net Interest Margin
Current: 4.40% · Tier avg: 3.85%
55
55th pctile
Total Loans
Current: $135.3M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
51
51th pctile
Efficiency Ratio
Current: 65.95% · Tier avg: 67.73%
45
45th pctile
Total Assets
Current: $177.6M · Tier avg: $217.5M
40
40th pctile
Total Deposits
Current: $133.6M · Tier avg: $183.7M
25
25th pctile
Non-Interest-Bearing Deposit Share
Current: 15.50% · Tier avg: 22.39%
6
6th pctile
Delinquency Rate
Current: 3.22% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 2.46% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 2.46% · Tier avg: 0.45%
6
6th pctile
Delinquency Rate
Current: 3.22% · Tier avg: 0.64%
25
25th pctile
Non-Interest-Bearing Deposit Share
Current: 15.50% · Tier avg: 22.39%
40
40th pctile
Total Deposits
Current: $133.6M · Tier avg: $183.7M
45
45th pctile
Total Assets
Current: $177.6M · Tier avg: $217.5M
51
51th pctile
Efficiency Ratio
Current: 65.95% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
55
55th pctile
Total Loans
Current: $135.3M · Tier avg: $139.2M
76
76th pctile
Net Interest Margin
Current: 4.40% · Tier avg: 3.85%
88
88th pctile
Return on Assets
Current: 1.90% · Tier avg: 1.08%
92
92th pctile
Loan-to-Deposit Ratio
Current: 101.30% · Tier avg: 74.53%
99
99th pctile
Non-Interest Income / Assets
Current: 4.17% · Tier avg: 0.56%