Industrial Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Core deposits to total deposits climbed 1.74 percentage points in Q2 2026, from 91.45% to 93.20%. It was the largest change from Q1 2026 among the key lines here. Against a median of 1.25% for banks in the $100M-1B asset tier, Industrial Bank reported 0.03% on return on assets in Q2 2026, 1.23 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 25.63% |
| Tier 1 risk-based capital ratio | 25.63% |
| Total risk-based capital ratio | 26.89% |
| Tier 1 leverage ratio | 15.23% |
| Equity capital to assets | 13.80% |
| Tangible equity to tangible assets | 13.80% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 6.51% |
| Non-performing assets ratio | 3.49% |
| Net charge-off ratio | 1.50% |
| Texas ratio | 27.84% |
| Allowance for credit losses to loans | 3.12% |
| Reserve coverage of non-performing loans | 47.94% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.03% |
| Return on equity | 0.19% |
| Net interest margin | 3.84% |
| Efficiency ratio | 77.27% |
| Yield on earning assets | 4.97% |
| Cost of funds | 1.24% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 68.39% |
| Core deposits to total deposits | 93.20% |
| Brokered deposits to total deposits | 1.79% |
| Deposits to assets | 78.40% |
| Securities to assets | 36.65% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 27.05% | 27.05% | 28.31% | 15.92% | 0.11% |
| Q4 2023 | 27.34% | 27.34% | 28.60% | 15.92% | 0.60% |
| Q1 2024 | 27.14% | 27.14% | 28.40% | 16.04% | -0.07% |
| Q2 2024 | 26.64% | 26.64% | 27.90% | 15.95% | 0.06% |
| Q3 2024 | 27.36% | 27.36% | 28.62% | 15.65% | 0.52% |
| Q4 2024 | 26.28% | 26.28% | 27.54% | 15.62% | 0.02% |
| Q1 2025 | 25.63% | 25.63% | 26.89% | 15.34% | -0.74% |
| Q2 2025 | 25.62% | 25.62% | 26.89% | 15.35% | -0.12% |
| Q3 2025 | 25.69% | 25.69% | 26.96% | 15.58% | 0.77% |
| Q4 2025 | 25.50% | 25.50% | 26.77% | 15.09% | -0.27% |
| Q1 2026 | 24.93% | 24.93% | 26.19% | 15.13% | 0.00% |
| Q2 2026 | 25.63% | 25.63% | 26.89% | 15.23% | 0.03% |
Industrial Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Industrial Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Industrial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14679) · FFIEC NIC profile (RSSD 536527)