INDUSTRIAL BANK

WASHINGTON, DC | Medium | Est. Aug. 18, 1934, midnight | FDIC #14679 | RSSD #536527 | FDIC
Latest Report: 2025-12-31

INDUSTRIAL BANK is amn medium FDIC-insured commercial bank headquartered in WASHINGTON, DC, established in Aug. 18, 1934, midnight. As of 2025-12-31, the bank reported total assets of $773M and total deposits of $605M. Profitability stands at -0.21% ROA and -1.50% ROE, with a net interest margin of 3.82%. The bank's CET1 capital ratio is 25.53%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 5.93% and a Texas Ratio of 20.45%. FDIC Certificate #14679.

Assets

$773M

Deposits

$605M

Loans

$412M

Equity

$108M

Profitability

Return on Assets (ROA) -0.21%
Return on Equity (ROE) -1.50%
Net Interest Margin (NIM) 3.82%
Yield on Assets 5.16%
Cost of Funds 1.40%

Asset Quality

NPL Ratio 5.93%
Net Charge-Off Ratio 0.14%
Texas Ratio 20.45%
NPA Ratio 3.18%
ACL / Loans 3.06%

Capital & Liquidity

CET1 Ratio 25.53%
Tier 1 Capital 25.53%
Total Capital Ratio 26.80%
Leverage Ratio 15.10%
Loan-to-Deposit 68.21%

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