Integro Bank

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Trading Powerpoint Template

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WELCOME TO
INTEGRO BANK (Proposed)

“Seeding Growth with Integrity”

INVEST IN YOUR OWN BANK

MISSION AND IMPACT-BASED INVESTMENT

Make an impact: Help us grow Small Business and maximize employment

Our why: “Because employment lifts people up and transforms lives”

Opportunity: Support a bank devoted to helping Small
Business during a time when they are most in need of help

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MARKET NEED

WE ARE FOCUSED ON SMALL BUSINESS

99% of Businesses are Small Business

Small Business Disparate Impact:

• Pre Covid, #1 in employment population and wage growth – AZ
• Small Business devastated by COVID
• Arizona ranked #44 in PPP support of Small Business
• Lending to Small Business represents 4.5% of bank activity
• Surveys indicate 85% of Small Businesses are willing to switch banks
• Maricopa county: Only 4 independent community banks à shortage
• Not economical for large banks to service Small Business customers

MARKET SIZE -4-

MARICOPA COUNTY 579,331 SMALL BUSINESSES

#1 in employment growth Our market area will cover 5 counties in AZ, CA and NV.
#1 in population growth As of March 2021, there are over 579,000 small businesses located.

#1 in wage growth

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DIFFERENTIATOR #1:

STRENGTH, TRACK RECORD &
COMMITMENT OF TEAM

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BOARD MEMBER HIGHLIGHTS

Beverly Browning Nathan Cabbil James Malerba Howard Stein Stephen Thompson

Dr. Browning is a founder of 15 Nathan Cabbil is Founder and James has over 34 years of Howard has 28 years of Stephen is an Arizona-based
banking experience and banking experience including a small business owner with 30+
small businesses, founder of a COO of Revitalize Partners, a served as Board Member of successful De Novo start-up years of experience in
women’s business incubator, private equity firm. He Wellesley Bank, CFO of bank that grew to 2.7 billion in accounting, finance and
previously held VP, SVP, and Radius Bank, Corporate assets over 6 years, and a banking. He previously served
famous published author of EVP/Officer positions at Controller and Chief bank turnaround recap starting as CFO of OneWest Bank, a
40+ books, developer and Republic Services. A senior with a $30 million private purchaser of several distressed
trainer of a non-profit Board of Accounting Officer for State offering and 2 subsequent banks, CFO of Countrywide
operations executive with over Street Corporation, Corporate offerings as Chief Operating Bank, and Partner at Deloitte &
Director boot camp, instructor 25 years of experience, he Controller for KeyCorp, Deputy Officer of Old Dominion Touche where he served the
and has a passion for helping earned a bachelor’s degree in Controller at FleetBoston National Bank, which has financial services industry. He
Chemical Engineering from Financial and in auditing roles grown from $70 to $800 has a BS in accounting degree
small business and non-profits Wayne State University, and is an at Ernst & Young and Arthur million in assets, and is among from Southeast Missouri State
with RFP and Grant Writing the fastest growing banks in University.
proposals as a means of alumnus of the GE Andersen. He has a BS the nation.
Manufacturing Management degree in accounting &
pursuing increased revenues Program and GE Corporate Audit computer science from
and growth. Staff. Boston College.

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EXECUTIVES

Thomas J. Inserra Tom Reed Mary Borg Elaine Szeto Greg Stava

CHAIRMAN AND CEO CHIEF FINANCIAL OFFICER CHIEF BANKING OFFICER CHIEF INNOVATION OFFICER CHIEF CREDIT OFFICER

Thomas has 35+ years’ banking Tom was Chief Financial Officer of Mary Borg led 4,000 team Elaine has more than 25 years of Greg has 35+ years banking
experience including leadership Nationwide Bank, SVP Finance with members across 19 states as proven success in leading experience was Chief Credit
roles at Pacific Mercantile Bank, Huntington Bancshares, VP Executive Vice President at Bank of winning business strategies, Officer at Meridian Bank, in
Susquehanna Bank/BB&T, HFC, Finance with Bank One and Audit the West. She has a BA degree technical and product innovation, commercial business
Citibank, the FDIC, served as CEO Manager with Deloitte Haskins from the University of Southern development at National Bank
and Board Member of a publicly Sells. He has a B.S. in Business strategic imperatives, and driving of Arizona, EVP Commercial
traded FinTech and CEO of a bank Administration and Accounting California and a JD from the top revenue results for Fortune Banking at Bank of Arizona and
Asset Resolution corp. He also from Ohio State University. University of La Verne School of 500 Companies. Elaine held VP at Wells Fargo. He also
serves as a Founder/Investor. Law. Mary has served on the executive roles at PNC Financial serves as a Founder/Investor.
Board of the Western Bankers Services, Western Alliance
Association, worked on several
Bancorporation, and Mutual of
non-profit boards and actively Omaha Bank (now First Citizens).
supports the small business She has both BA and MBA from
community as a Small Business Case Western Reserve University.
Mentor at www.SCORE.org.

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STRENGTH & COMMITMENT OF TEAM

• 39 Founders & Board Members (100% Invested)
• Commitment of $4.45 Million vs. $1.7 Million Estimated Start-up Costs
• 70,393 Existing Relationships
• Need 0.8% of Relationships to Raise Minimum $26.7 Million
• Highly Experienced Team with Track Record of Performance

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DIFFERENTIATOR #2: BUSINESS INSIGHTS

• Consultative approach
• Access peer data
• Obtain business valuation
• Impactful, transforms lives

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DIFFERENTIATOR #3: THE 3 C’s

High Degree of Overlap between Investors and Customers Sets Stage for Outsized Bank Performance

Typical De Novo Bank Integro Bank’s Differentiating Model

“The 3 C’s of Integro Bank Ownership”

Co Own
the Bank

CEO Club

Customer

THE CEO CLUB - 11 -

BENEFITS OF THE CEO CLUB & OWNING A BANK NETWORKING

• Eliminate dependency on banks not meeting your needs
• Help other Small Businesses grow and impact employment
• Innovative services like INTEGRO 360
• Improved access and relationships through a diverse network
• Potential for favorable return on investment

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INTEGRO CEO CLUB MISSION INVESTMENT TIER

Silver Gold Platinum
>$25,000 >$50,000 >$100,000

Benefits by Level

Improve Access to 1) Connection, Access, Networking & Member Lists Y Y Y
Business Education,
Growth & Networking & 2) Complimentary Peer & Market Data Insights YY Y
Performance
CEO
Community 3) Complimentary Annual Business Valuation YY Y

4) Complimentary Integro-360 Consulting YY Y

Increase 5) Two Way Coaching & Mentoring Facilitation NY Y
Engagement
Facilitate with Investors 6) CEO/Quarterly/Annual Meetings - Free Tickets/Year 2 6 8
Mentoring and & Customers 7) Speaker Educational Meetings - Free Tickets/Year 2 10 20
8) Eligibility for 20-Person Advisory Board 0 5 15
Coaching

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HEADQUARTERS (UNDER CONTRACT)

16215 N. 28th Ave, Phoenix AZ 85053

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INVEST IN YOUR OWN BANK

CAPITAL RAISE INVESTORS ALLOWABLE

$26.7 Million Minimum $25,000 Minimum • Individual
$36.7 Million Target • Self-Directed IRA
__________ • Entity, Company
$51.7 Million Maximum • Trust
$2,475,000 Maximum • Combination of Above

__________

OTC LISTING TARGET LAUNCH
DATE*
Intend to pursue OTC listing
within first 12 months. December 2021

* Subject to regulatory approval

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MARKET DEPOSIT GROWTH TREND

Five-Year Trend of Four Counties ($147 Billion Growth)

• We only need 0.01% of this
deposit growth

• Among the highest growth rates
in the country

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MARKET LOAN GROWTH TREND

Five-Year Trend of Four Counties ($29.8 Billion Growth)

• Avg of 96% Small Business Loan
Growth Rate

• We only need 0.4% of this loan growth
to achieve $124 MM loan target

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INTEGRO BANK FORECASTED GROWTH

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FINANCIALS LOAN COMPOSITION

§ 83% (C&I & CRE) helps Small Business
§ Strong focus on SBA
§ Drives higher margins and profitability
§ Strong credit and risk management experience

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FINANCIALS DEPOSIT SOURCE AND COMPOSITION

§ Integro Bank’s 3 C model
§ Low-cost funding; 35% from non-interest bearing checking and operating accounts
§ Reliable source of funding via relationships & strategic partnerships

DistNriMcNSetoSNWwPoRaoNouWCoerhsNeuHMftteMoTnrsOoWshhattweaNMWeDCaCNLnnMMKdCAtVhhAsikMwicCConnamsonieesGeeeohrVVANleOshyalIsDDMlyaalaoiFnwuaneKnlkHbniIAuciMcroliaieripirJuflelhnsIrlioncIearrsTrraaeoybdavilrhtmseoesdwooalmsemIUgvgzissOoosrgtaeoatukkllYansonaniarsniiwhoaxreaaiarraoilglagaasiisooosootctasspxmhbiciiimswnnngnoiishinunodntnnndnoeadnaknnakkceaurarantttiriiiipiitiirndnoeaheaaaaaaaeaoaanaaaaadnoaeyagkaoaaasissytsstiii 0 10 30 29 40 60 Targeted States & Counties with Fewest Banks in the Nation

20 50
15 14 43

16 17 30 30

26
24

21 20

31

27
24

47 48

30 30 29 35 33 Branches per 100,000 people

22 23

37
35 35

54

29 30
24

20 20

14

54

33
28

22 22 29
19

51

29
22

15

38
36

33
31

24

20

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Shortage of Banks in Phoenix

Smaller Cities Have 2 to 4 Times as Many Banks

# of Bank HQ in Each City

2020 # of HQ
Banks
City Population
5
Phoenix 1.7 Million 11
21
Philadelphia 1.6 Million 11
11
Dallas 1.4 Million 10
19
Columbus 0.91 Million 12
21
Denver 0.75 Million 8
7
Nashville 0.68 Million 5

Oklahoma City 0.66 Million

Atlanta 0.52 Million

Miami 0.48 Million

Tampa 0.40 Million

Cleveland 0.37 Million

Pittsburgh 0.30 Million

DE NOVO BANK TRENDS - 22 -

Integro Bank’s Forecast Break-Even De Novo Bank Market Trends

§ Break-even point has declined from 8.6
quarters to 6.8 quarters

§ KBW bank index is up +35%
§ 1920: 50,000 USA banks
§ 2021: <5,000 USA banks
§ Shortage of banks creates scarcity value

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De Novo Banks Success Stories

§ Capital Bank: 2008-2017 § Capital, Valley and Veritex Focus on SBA
§ Valley Republic: 2009-2021 § Pinnacle and Country Based in Arizona
§ Pinnacle Bank: 2005-2019
§ Veritex Bank: 2004-2021
§ Country Bank: 2003-2016

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HOW PERFORMANCE WILL BE MEASURED

MEASURES SMALL BUSINESS ROA EFFICIENCY LOW COST OF
GOALS MIX (10X) RATIO DEPOSIT

TOP TOP TOP TOP
QUARTILE QUARTILE HALF QUARTILE

BUILDS SHAREHOLDER VALUE

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WHY INVEST OUR WHY IS RESONATING

THE GLUE COMPELLING SCARCITY VALUE POSITIVE TRENDS

That brings Founders and Unique differentiators with 50,000 vs 5,000 banks De Novo success stories
Investors together is our high barriers to entry over past 100 years demonstrate clear path
WHY. Transforming Lives!

FORCE MULTIPLIER THE 3C’s &
INTEGRO 360
Regulation = 8X leverage
Greatest impact on small Unique differentiators with
high barriers to entry
business

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WHY INVEST IN YOUR OWN BANK

• Impact and transform lives by helping small business
• Compelling differentiators with Integro-360 and CEO Club
• Strong and committed leadership team (100% invested)
• Case studies demonstrating favorable results
• Small businesses now poised for growth
• Bank profitability increases in a raising rate environment

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CONCLUSION AND NEXT STEPS

• Enroll on secure portal
• Review Private Offering Materials, Video & Website
• Funds Held in Third Party Escrow Until:

• Minimum of $26.7 million raised
• Final Regulatory approval

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Q&A

THANK YOU