BlastPoint's Banking Scorecard

Industrial Bank

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

Designations: ✓ CDFI-certified ✓ Minority Depository Institution

Washington, DC

10 branches across DC · MD · NJ · NY

2664 banks in the $100M-$1B peer group nationally 3 in 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

- Deposit Outflow: Bottom 26.9% in tier
- Liquidity Overhang: Bottom 30.7% in tier
- Return on Assets 1.27% below tier average
- Efficiency Ratio 24.08% above tier average
- Delinquency Rate 5.67% above tier average
- Nonperforming Asset Ratio 2.80% above tier average
- Net Interest Margin 0.10% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (DC)	National Avg	Tier Percentile
Total Assets ?	$774.9M +2.7% YoY +0.2% QoQ	+$388.8M	$386.1M +0.5% YoY	$829.1M +7.3% YoY	$6.2B +9.1% YoY	Top 9.4% in tier
Total Loans ?	$406.1M +2.9% YoY +1.6% QoQ	+$150.4M	$255.7M +1.1% YoY	$576.6M +4.6% YoY	$3.2B +10.8% YoY	80%
Total Deposits ?	$607.9M -5.4% YoY +0.6% QoQ	+$279.9M	$328.0M +0.1% YoY	$679.0M +12.7% YoY	$4.8B +8.2% YoY	Top 11.8% in tier
Return on Assets ?	0.00% +100.1% YoY +101.1% QoQ	-1.27%	1.27% +12.9% YoY	0.37% +484.6% YoY	1.23% +13.4% YoY	Bottom 3.5% in tier
Net Interest Margin ?	3.83% +7.2% YoY +2.5% QoQ	-0.10%	3.93% +6.0% YoY	3.54% +5.2% YoY	3.89% +5.7% YoY	48%
Efficiency Ratio ?	89.37% -4.1% YoY -3.3% QoQ	+24.08%	65.29% -4.5% YoY	77.83% -13.9% YoY	66.95% -4.1% YoY	Bottom 7.1% in tier
Delinquency Rate ?	6.56% +102.7% YoY +6.5% QoQ	+5.67%	0.89% +18.8% YoY	2.48% +139.7% YoY	0.95% +18.8% YoY	Bottom 1.0% in tier
Loan-to-Deposit Ratio ?	66.81% +8.7% YoY +1.0% QoQ	-9.83%	76.64% +0.8% YoY	85.31% -6.0% YoY	76.70% +0.9% YoY	72%
Non-Interest-Bearing Deposit Share ?	24.08% +1.2% YoY +5.7% QoQ	+2.06%	22.02% -1.0% YoY	21.25% -1.8% YoY	22.01% -1.2% YoY	63%
Nonperforming Asset Ratio ?	3.44% +98.3% YoY +7.4% QoQ	+2.80%	0.64% +19.7% YoY	1.46% +145.7% YoY	0.67% +19.3% YoY	Bottom 2.2% in tier
Tier 1 Capital Ratio ?	24.93% -2.7% YoY -2.3% QoQ	+9.10%	15.83% +1.5% YoY	17.47% -1.4% YoY	17.06% +0.8% YoY	Top 6.6% in tier
Non-Interest Income / Assets ?	0.14% -16.7% YoY -79.2% QoQ	-0.14%	0.28% +9.3% YoY	0.10% +17.6% YoY	0.32% +4.1% YoY	69%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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)

Deposit Outflow

decline

#137 of 506 • Bottom 26.9% in tier

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

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ | QoQ rank declining

Liquidity Overhang

risk

#228 of 739 • Bottom 30.7% 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: 24.93%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 66.81%

(Tier: 76.64%, National: 76.70%)

better than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (4 metrics)

176

Tier 1 Capital Ratio

capital

Value: 24.93%

Peer Median: 15.83%

#176 of 2664 Top 6.6% in $100M-$1B

252

Total Assets

size

Value: $774.86M

Peer Median: $386.08M

#252 of 2664 Top 9.4% in $100M-$1B

316

Total Deposits

size

Value: $607.88M

Peer Median: $327.97M

#316 of 2664 Top 11.8% in $100M-$1B

535

Total Loans

size

Value: $406.10M

Peer Median: $255.72M

#535 of 2664 Top 20.0% in $100M-$1B

Top Weaknesses (4 metrics)

2629

Delinquency Rate

credit_quality

Value: 6.56%

Peer Median: 0.89%

#2629 of 2654 Bottom 1.0% in $100M-$1B

2607

Nonperforming Asset Ratio

credit_quality

Value: 3.44%

Peer Median: 0.64%

#2607 of 2664 Bottom 2.2% in $100M-$1B

2573

Return on Assets

profitability

Value: 0.00%

Peer Median: 1.27%

#2573 of 2664 Bottom 3.5% in $100M-$1B

2475

Efficiency Ratio

profitability

Value: 89.37%

Peer Median: 65.29%

#2475 of 2664 Bottom 7.1% in $100M-$1B