Industrial Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Industrial Bank of Washington, DC against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.03% | 1.35% | -1.32% | 5th bottom |
| ROAE | 0.19% | 12.06% | -11.87% | 5th bottom |
| Net Interest Margin | 3.84% | 3.90% | -0.06% | 45th below |
| Efficiency Ratio | 77.27% | 63.14% | +14.13% | 17th bottom |
| PPNR / Avg Assets | 1.02% | 1.64% | -0.62% | 21st bottom |
| Yield on Earning Assets | 4.97% | 5.65% | -0.68% | 22nd bottom |
| Cost of Funds | 1.24% | 1.85% | -0.61% | 83rd top |
| Net Interest Spread Behind the peer average, ahead of the median peer. | 3.33% | 3.35% | -0.02% | 50th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 6.51% | 0.92% | +5.59% | 1st bottom |
| NPA / Total Assets | 3.49% | 0.67% | +2.82% | 2nd bottom |
| NCO / Avg Loans | 1.50% | 0.14% | +1.36% | 2nd bottom |
| ACL / Total Loans | 3.12% | 1.28% | +1.84% | 99th top |
| ACL / NPLs (Coverage) | 47.94% | 1645.82% | -1597.88% | 10th bottom |
| Texas Ratio | 27.84% | 7.14% | +20.70% | 4th bottom |
| Provision / NCO | 113.83% | 1189.85% | -1076.02% | 43rd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 25.63% | 20.83% | +4.80% | 89th top |
| Tier 1 Ratio | 25.63% | 20.86% | +4.77% | 89th top |
| Total Capital Ratio | 26.89% | 21.93% | +4.96% | 89th top |
| Leverage Ratio | 15.23% | 12.46% | +2.77% | 87th top |
| Equity / Assets | 13.80% | 11.67% | +2.13% | 83rd top |
| TCE / Tangible Assets | 13.80% | 11.40% | +2.40% | 85th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 68.39% | 78.65% | -10.26% | 73rd above |
| Core Deposit Ratio | 93.20% | 87.09% | +6.11% | 75th top |
| Wholesale Funding Ratio | 6.93% | 5.11% | +1.82% | 27th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.08% | 6.48% | -3.40% | 40th below |
| Loan Growth (Y/Y) | -0.34% | 7.64% | -7.98% | 21st bottom |
| Deposit Growth (Y/Y) | -4.58% | 6.03% | -10.61% | 7th bottom |
See Industrial Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Industrial Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Industrial Bank profile, how to read a UBPR, or how this data updates.