What Integro Bank does

Integro Bank is an FDIC-insured, privately held commercial bank headquartered in Phoenix, Arizona. It was founded as a de novo bank in 2020-2021 and completed its De Novo phase in early 2026 under a new Acting CEO, founder James 'Jim' Malerba, who succeeded Thomas Inserra. The bank operates from a single branch and serves small businesses ranging from micro to macro scale, with secondary segments in healthcare professionals (through a preferred partnership with the Maricopa County Medical Society), CEOs and founders (through its exclusive CEO Club), and individual consumers.

The core product architecture comprises four-tiered business checking accounts (On-The-Go, On-The-Rise, Premier, and Analysis), SBA 7(a) loans up to $5 million, SBA 504 fixed-asset financing, term loans, lines of credit, commercial real estate financing, and a small credit card portfolio. Treasury management is delivered via the proprietary 'Digital One' online and mobile banking platform with wire/ACH origination, receivables, fraud protection (Positive Pay suite), liquidity management (Zero Balance Account, Money Market, CDs), and merchant services across Clover, Ingenico, and SwipeSimple ecosystems. The bank's primary differentiator is INTEGRO360, a proprietary consultative advisory approach providing peer financial benchmarking, business valuation, and budgeting/forecasting insight to small businesses.

The revenue model is a blend of net interest income from the SBA-led lending portfolio and fee/transaction income from checking accounts, treasury management, merchant services, and credit cards (interchange and revolving balances). Pricing is tiered with monthly service charges ranging from $0 to $20, transaction overage fees ($0.25-$0.35 per item), and credit card annual fees from $0 to $49. Go-to-market is consultative and event-driven, anchored by the CEO Club platform, with content marketing through News & Insights blog, earned media, LinkedIn, and strategic partnerships (ASU, Arizona Technology Council, Global Chamber, MCMS). The bank is privately held under Integro Bancorp, Inc. and continues to solicit private investment via subscription agreements and investor presentations.

Name

Integro Bank

Legal name

Integro Bank

Website

https://integrobank.com

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

11–50 employees

Short description

Phoenix-based FDIC-insured de novo bank that completed its startup phase in 2026, serving Arizona small businesses through tiered business checking, SBA lending up to $5M, treasury management, and its proprietary INTEGRO360 consultative advisory platform, supplemented by an exclusive CEO Club networking program.

Ownership category

akta.pro rank

Product category

Community Banking (Small Business Banking)

NAICS

Commercial Banking (52211), Credit Intermediation and Related Activities (522)

SIC

National Commercial Banks (6021), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

SBA/USDA Government-Backed Loan Intermediation (FSAEAEAI)

akta.pro secondary industries

Balance-Sheet / Portfolio CRE Lending (FSALADAG), Real Estate Private Credit (CRE Debt) (FSANADAG)

Keywords

• Small business banking
• SBA lending
• Treasury management services
• Business checking accounts
• Commercial real estate financing

Headquarters

HQ city

Phoenix

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Supply Chain

Revenue model

1. Interest Income: Primary revenue from interest earned on loan portfolio including SBA 7(a) loans (up to $5 million), SBA 504 loans, commercial real estate financing, term loans, and lines of credit. Also includes interest from investment securities and money market deposit accounts.
2. Fee Income: Transaction fees including per-item charges after free transaction limits (e.g., $0.35 per item over 75/150/300 transactions depending on account tier), monthly service charges on business checking accounts, and overdraft fees.
3. Treasury Management Services: Merchant services for payment processing, wire transfers, ACH payments, and other treasury management solutions generating fee income.
4. Credit Card Services: Income from credit card products including interchange fees and interest charges on revolving balances. Products include Standard Business On-The-Go card (no annual fee) and Premier Preferred Points card ($49/year).

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Integro Bank is a Phoenix, Arizona-based FDIC-insured community bank providing tiered business checking accounts, SBA 7(a) and SBA 504 loans, term loans, lines of credit, commercial real estate financing, business credit cards, treasury management (Digital One online banking, merchant services, fraud protection, payables, remote deposit), personal banking, and wealth advisory. Its primary differentiator is the proprietary Integro360 consultative banking approach providing business valuation, peer benchmarking, industry analysis, budgeting and forecasting insights to small business clients.

Product overview

Integro Bank operates as a Phoenix, Arizona-based FDIC-insured bank organized around a platform-plus-modules architecture. The core differentiator is INTEGRO360, a proprietary consultative banking approach providing peer financial data, business valuation, and growth advisory services. The business banking suite comprises four-tiered checking products (Business On-The-Go, On-The-Rise, Premier, and Analysis Checking) differentiated by transaction limits, fee structures, and treasury management features. Lending offerings center on SBA programs (7(a) up to $5M and 504 loans) alongside commercial term loans, lines of credit, and real estate financing. Treasury management products include Digital One Online Banking, merchant services with multiple POS platforms (SwipeSimple, Clover, Ingenico), fraud protection tools (Positive Pay suite), and payables automation. Personal banking spans checking, savings, credit cards, and wealth management. The bank also operates a CEO Club networking program and serves as an SBA Preferred Lender.

Differentiator

Problem solved

Functional benefit

Brands

• Integro360: A consultative banking approach and primary differentiator designed to help small businesses grow, increase employment, and prosper by providing business valuation, peer data, and financial analysis.
• CEO Club

Products and services

• Business On-The-Go Checking Entry-level checking account for micro to small businesses with no monthly maintenance fee, up to 75 free transactions per statement period, free online banking with Bill Pay and eStatements, free mobile deposit, and a debit card offering up to $10 monthly ATM network credit.
• Business On-The-Rise Checking Growth-focused checking account for small businesses with $15 monthly service charge waivable with $2,000 minimum daily balance, up to 150 free transactions per statement period, complementary INTEGRO360 evaluation, Reverse Positive Pay and ACH Block fraud prevention, remote capture, and merchant services.
• Business Premier Checking Advanced checking account for macro small businesses with $20 monthly service charge waivable with $25,000 minimum daily collected balance, up to 300 free transactions per statement period, online ACH/wire, positive pay fraud prevention, mobile deposit with RDC Scanner Single Scan, and budget and invoice management tools.
• Business Analysis Checking Analyzed business checking for complex businesses with high activity and advanced treasury management needs, providing detailed service costing, consolidated reporting of balances and activity, optional overdraft protection, and integrated treasury management services.
• SBA 7(a) Loan SBA 7(a) loan allowing borrowing up to $5 million for business expansion, equipment financing, real estate acquisition, working capital, business startup, or debt refinancing, with terms up to 25 years for real estate and 15 years for non-real estate and flexible collateral and equity requirements.
• SBA 504 Loan SBA 504 loan for acquiring and financing fixed assets including equipment, machinery, and real estate, with up to 25-year terms for real estate and up to 10 years for equipment/machinery and 10-20% equity injections.
• Commercial Term Loans Financing for identified purchases or projects with fixed costs such as equipment, improvements, expansion, real estate, or acquisitions, available with fixed or variable interest rates and flexible amortization schedules, optionally supported by SBA loan guarantees.
• Lines of Credit Cash flow management facilities for businesses experiencing seasonality or longer cash-flow cycles, secured by receivables, inventory, real estate, cash, or business assets, typically with interest-only payments, 12-24 month terms, and variable rates.
• Commercial Real Estate Financing Commercial real estate financing for purchases or refinancing, typically structured as term loans with 1-10 year maturities and 15-25 year amortizations, available with fixed or variable rates and SBA loan guarantee options.
• Integro Business On-The-Go Credit Card Standard business credit card in Mastercard and Visa variants with no annual fee, APR of Prime +10.99%, 25-day interest-free grace period on purchases, individual and summary billing options, extended warranty protection, travel accident insurance, and rental car collision damage waiver protection.
• Integro Business Premier Preferred Points Rewards Credit Card Preferred points rewards business credit card with $49 annual fee, individual billing only, Mastercard and Visa benefits, and 1 point per dollar spent up to 10,000 points per month redeemable for cash back, travel, merchandise, and retail gift cards.
• INTEGRO360 Consultative Banking Program Proprietary consultative banking approach using peer financial data, industry analysis, business valuation, and revenue-based insights to help small businesses grow, increase employment, and prosper through consultative advisory services.
• Digital One Online Banking Secure online and mobile banking platform for treasury management services including receivables management, funds transfer (wire transfer and ACH), information reporting, data analytics, payments, fraud mitigation tools, investments, foreign exchange, and personalized online client service tools.
• Merchant Services Full-service payment processing program offering competitive rates, personalized customer service, and technology solutions including virtual terminals, POS systems, and mobile payments, with no contracts, in-depth reporting, and modern payment acceptance devices.
• Fraud Protection Solutions (Positive Pay Suite) Suite of fraud deterrent tools including Positive Pay, ACH Positive Pay, Reverse Positive Pay, Payee Positive Pay, and ACH Block for protecting business accounts from fraudulent financial activity by comparing issued check/ACH records against presented items.
• Payables Solutions (Commercial Card, Wire, ACH, Bill Pay) Accounts payable automation solutions including a Commercial Card for purchasing, travel and entertainment, and fleet expenses; Online Wire; ACH Payments (one-time, batch, same-day); Bill Pay; and integrated fraud protection.
• Remote Deposit Capture Electronic check deposit service enabling quick and secure scanning of paper checks from desktop or mobile device for deposit without visiting a branch.
• Zero Balance Account Automated account management solution that concentrates funds from multiple accounts into a main account via automated sweep capability, eliminating manual fund transfers.
• Premium Business Money Market Account Interest-earning business money market account with tiered rates based on account balances, FDIC insurance, and multiple access methods including branch, ATM, check, and online transfer.
• Business Certificates of Deposit FDIC-insured interest-bearing deposits with terms ranging from days to years, requiring a minimum $1,000 investment, offering higher rates than savings products with reinvestment options at maturity.
• CEO Club Networking Program Exclusive networking and thought leadership platform for business leaders, founders, and CEOs of small businesses and mid-sized companies offering monthly events featuring industry speakers, panels, and educational programming at the Phoenix headquarters.
• Integro Wealth Advisors Wealth management and advisory services offered through a separate platform for personal banking clients and business owners seeking investment and wealth planning assistance.
• Personal Banking Suite Personal banking suite including checking accounts, savings accounts, personal credit cards, Zelle person-to-person transfers, and wealth advisory services, with both standard and promotional no-fee account periods.

Named customers1 record

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration12 records

Feature3 records

Partnerships

Six partnerships are on record, tiered core and minor.

• Arizona Technology CouncilcoreStrategic or Co-development Partner · 26 August 2026Partnership with Arizona Technology Council for 4th Annual Tech Summit: AI & Ethics: The Balancing Act of Innovation, Accountability & Trust. Event at Integro Bank Headquarters on August 26, 2026.
• Tiffany & Bosco, P.A.minorGTM or Marketing Partner · 24 April 2026Sponsoring book signing for Sharon Lechter's book Exit Rich at VIP CEO Club Event on May 13, 2026.
• Global ChambercoreStrategic or Co-development Partner · 2 April 2026Partnership with Global Chamber for CEO Club Event featuring Paco Underhill on April 9, 2026. Event provides resources and insights for Arizona-based businesses to scale internationally with international business fair.
• Arizona State University (ASU)coreStrategic or Co-development Partner · 19 February 2026Co-hosting CEO Club event on February 26, 2026 to discuss AI research benefiting small and mid-sized businesses. Event features key findings from ASU's latest AI research and promotes responsible AI adoption among SMBs.
• Maricopa County Medical Society (MCMS)coreChannel Partner/ Reseller/ Distributor · 10 February 2026Integro Bank named preferred banking partner of Maricopa County Medical Society, supporting physicians and medical practices across Arizona. Partnership aims to provide specialized financial services and collaboration to improve financial health and growth of the medical community.
• U.S. Small Business Administration (SBA)coreOthersSBA has issued delegated authority to Integro Bank as Preferred Lender Program (PLP) status and SBA Express Lender authority. This recognition places Integro Bank amongst banks with proven track records of successfully processing and servicing SBA-guaranteed loans.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Live Oak Bancshares: Live Oak is the U.S.'s leading digitally focused, pure-play SBA lender serving small businesses nationally – directly comparable to Integro's SBA 7(a) and small business lending orientation, although far larger and more digitized.
• Byline Financial Group / Byline Bank: Chicago-based community bank built largely around SBA Preferred Lender status serving small businesses – similar consultative, SBA-driven playbook to Integro.
• First Foundation: Community-focused commercial bank emphasizing SMB relationship banking and wealth management – similar overlap on SMB advisory and wealth advisory cross-sell to Integro's Wealth Advisors arm.
• Newtek Business Services: SBA-focused small business lender and fintech with both lending and merchant/payments offerings – direct overlap with Integro's SBA Preferred Lender status and merchant services stack.
• Lake City Bank: Indiana-based privately held community commercial bank widely recognized for relationship-driven SMB banking and consultative advisory – mirrors the consultative, CEO-relationship GTM Integro is building.

Broad incumbents

• Western Alliance Bancorporation: Phoenix-headquartered commercial and SMB-focused regional bank with materially overlapping Arizona market; competes for the same small business, professional services and CRE borrowers that Integro targets.
• Pacific Premier Bancorp: Regional commercial bank with significant SBA, CRE and treasury management franchises; overlaps with Integro on SBA Preferred Lender-based SMB acquisition and treasury services bundling.
• Customers Bancorp: Business-banking focused regional bank with a digital commercial platform and SMB/commercial loan origination; competes for similar treasury and SMB deposit customers with a stronger technology footprint.
• CVB Financial Corp (Citizens Business Bank): California- and Arizona-serving community commercial bank with comparable SMB, CRE, treasury management and municipal deposit franchises – comparable geography and product mix.

Regional players

• Sunwest Bank: California/Western U.S. commercial community bank with SBA lending and SMB focus – comparable product mix though operating further west in California and the Pacific Northwest.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/integro-bancorp

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Integro Bank