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Industrial Bank

$100M-$1B Specialty: Commercial DC FDIC cert 14679

Designations: ✓ CDFI-certified ✓ Minority Depository Institution

Washington, DC

9 branches across DC · MD · NJ · NY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 3 in DC.
  • Deposits -4.6% year over year ($607.0M on the books).
  • Delinquency rate 6.77%.
  • Return on assets 0.01%.
  • Efficiency ratio 83.06% vs a 64.48% peer average.
  • Loan-to-deposit ratio 66.26% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 3 in DC
View $100M-$1B leaderboard (DC) →

Industrial Bank faces 7 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 29.7% in tier
  • - Deposit Outflow: Bottom 36.5% in tier
  • - Return on Assets 1.31% below tier average
  • - Delinquency Rate 5.85% above tier average
  • - Nonperforming Asset Ratio 2.85% above tier average
  • - Net Interest Margin 0.09% below tier average
  • - Efficiency Ratio 18.58% above tier average
Get updates when Industrial Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (DC) National Avg Tier Percentile
Total Assets ? $774.2M
+3.1% YoY -0.1% QoQ
+$387.7M $386.6M
+1.2% YoY
$871.1M
+13.4% YoY
$6.3B
+7.7% YoY
Top 9.2% in tier
Total Loans ? $402.2M
-0.5% YoY -1.0% QoQ
+$143.8M $258.3M
+1.7% YoY
$589.9M
+7.3% YoY
$3.2B
+9.4% YoY
80%
Total Deposits ? $607.0M
-4.6% YoY -0.1% QoQ
+$280.3M $326.7M
+0.7% YoY
$695.9M
+14.8% YoY
$4.9B
+7.3% YoY
Top 11.7% in tier
Return on Assets ? 0.01%
+103.0% YoY
-1.31% 1.32%
+10.8% YoY
0.44%
+153.0% YoY
1.30%
+12.1% YoY
Bottom 3.3% in tier
Net Interest Margin ? 3.90%
+5.1% YoY +1.7% QoQ
-0.09% 3.99%
+5.0% YoY
3.57%
+4.4% YoY
3.95%
+4.9% YoY
48%
Efficiency Ratio ? 83.06%
-10.0% YoY -7.1% QoQ
+18.58% 64.48%
-3.2% YoY
74.74%
-12.2% YoY
70.05%
+2.5% YoY
Bottom 10.8% in tier
Delinquency Rate ? 6.77%
+61.0% YoY +3.3% QoQ
+5.85% 0.92%
+15.7% YoY
2.53%
+84.3% YoY
0.98%
+16.3% YoY
Bottom 0.9% in tier
Loan-to-Deposit Ratio ? 66.26%
+4.3% YoY -0.8% QoQ
-11.70% 77.95%
+1.0% YoY
84.15%
-6.7% YoY
79.03%
+2.3% YoY
75%
Non-Interest-Bearing Deposit Share ? 24.56%
+2.8% YoY +2.0% QoQ
+2.53% 22.03%
-0.6% YoY
21.36%
-2.9% YoY
21.98%
-0.6% YoY
65%
Nonperforming Asset Ratio ? 3.52%
+52.7% YoY +2.3% QoQ
+2.85% 0.67%
+16.4% YoY
1.45%
+78.5% YoY
0.69%
+15.8% YoY
Bottom 2.3% in tier
Tier 1 Capital Ratio ? 25.63%
+0.0% YoY +2.8% QoQ
+9.72% 15.91%
+1.4% YoY
17.59%
-1.5% YoY
17.09%
+0.8% YoY
Top 6.4% in tier
Non-Interest Income / Assets ? 0.36%
+1.8% YoY +163.6% QoQ
-0.21% 0.57%
+7.6% YoY
0.21%
+22.1% YoY
0.66%
+5.2% YoY
81%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (DC) National Avg Tier Percentile
Noninterest-Bearing 24.6%
+0.7pp YoY
+0.5pp QoQ
 +2.4pp 22.1% 21.4% 22.2% 64%
Brokered Deposits 1.8%
-1.6pp YoY
-1.7pp QoQ
 -6.1pp 7.9% 11.8% 8.5% 27%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (DC) National Avg Tier Percentile
C&I 12.5%
+2.6pp YoY
+0.9pp QoQ
 +0.9pp 11.6% 11.7% 12.5% 66%
CRE 66.1%
-3.5pp YoY
-1.3pp QoQ
 +26.5pp 39.5% 70.2% 41.4% 90%
1-4 Family 24.6%
+0.9pp YoY
+0.3pp QoQ
 -8.1pp 32.6% 19.5% 31.3% 40%
Consumer 0.1%
0.0pp YoY
0.0pp QoQ
 -4.0pp 4.1% 0.1% 5.0% 4%

Capital

Metric Current vs Tier Tier Avg State Avg (DC) National Avg Tier Percentile
CET1 Ratio 25.6%
0.0pp YoY
+0.7pp QoQ
 +6.8pp 18.8% 21.5% 19.7% 90%
Leverage Ratio 15.2%
-0.1pp YoY
+0.1pp QoQ
 +3.1pp 12.2% 13.6% 12.6% 88%
Total Capital Ratio 26.9%
0.0pp YoY
+0.7pp QoQ
 +7.0pp 19.9% 22.7% 20.8% 90%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (DC) National Avg Tier Percentile
Full-Time Employees 137
-6 (-4.2%) YoY
+3 (+2.2%) QoQ
 +78 58 86 482 96%
Assets per Employee ($) $5.7M
+7.6% YoY
-2.3% QoQ
 -$1.9M $7.5M $10.6M $8.8M 26%
Branch Count 9
0 YoY
0 QoQ
 +4 4 4 18 86%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (DC) National Avg Tier Percentile
Past Due 90+ Days 1.6%
+0.6pp YoY
+0.3pp QoQ
 +1.3pp 0.3% 1.6% 0.4% 96%
Nonaccrual 5.2%
+1.9pp YoY
-0.1pp QoQ
 +4.3pp 0.9% 2.8% 1.0% 98%
Allowance Coverage 0.48x
-34.0% YoY
+0.7% QoQ
 -23.68x 24.15x 0.65x 20.23x 9%
Net Charge-off Rate (YTD) 1.2%
+0.6pp YoY
+0.3pp QoQ
 +1.0pp 0.1% 0.7% 0.2% 98%

Profitability

Metric Current vs Tier Tier Avg State Avg (DC) National Avg Tier Percentile
ROE 0.1%
+3.3pp YoY
+0.1pp QoQ
 -12.1pp 12.2% 3.7% 11.6% 3%
Cost of Funds (YTD) 1.2%
-0.2pp YoY
0.0pp QoQ
 -0.5pp 1.7% 1.7% 1.7% 19%
Net Income ($, YTD) $52,000
+103.1% YoY
— QoQ
 -$2.5M $2.6M $1.7M $40.4M 4%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Liquidity Overhang

risk
#221 of 742 • Bottom 29.7% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 25.63%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 66.26%
(Tier: 77.95%, National: 79.03%)
better than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

Deposit Outflow

decline
#196 of 535 • Bottom 36.5% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

170
Tier 1 Capital Ratio
capital
Value: 25.63%
Peer Median: 15.91%
#170 of 2643 Top 6.4% in $100M-$1B
243
Total Assets
size
Value: $774.25M
Peer Median: $386.57M
#243 of 2643 Top 9.2% in $100M-$1B
311
Total Deposits
size
Value: $606.99M
Peer Median: $326.73M
#311 of 2643 Top 11.7% in $100M-$1B
509
Non-Interest Income / Assets
revenue_mix
Value: 0.36%
Peer Median: 0.57%
#509 of 2643 Top 19.2% in $100M-$1B
540
Total Loans
size
Value: $402.17M
Peer Median: $258.35M
#540 of 2643 Top 20.4% in $100M-$1B

Top Weaknesses (4 metrics)

2609
Delinquency Rate
credit_quality
Value: 6.77%
Peer Median: 0.92%
#2609 of 2633 Bottom 0.9% in $100M-$1B
2584
Nonperforming Asset Ratio
credit_quality
Value: 3.52%
Peer Median: 0.67%
#2584 of 2643 Bottom 2.3% in $100M-$1B
2556
Return on Assets
profitability
Value: 0.01%
Peer Median: 1.32%
#2556 of 2643 Bottom 3.3% in $100M-$1B
2359
Efficiency Ratio
profitability
Value: 83.06%
Peer Median: 64.48%
#2359 of 2643 Bottom 10.8% in $100M-$1B
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