Industrial Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Industrial Bank is the primary bank subsidiary of its parent holding company, headquartered in Washington, DC. Industrial's Q2 2026 balance sheet shows $774M in assets funded primarily by $607M in customer deposits. Returns are subdued: 0.03% ROA and 0.19% ROE. Capital is comfortably above regulatory requirements, CET1 ratio of 25.63% sits well above the 7% level required once the capital conservation buffer is included. Credit metrics show stress, 6.51% NPLs and a 27.84% Texas Ratio above the 100% historical failure threshold. It operates 9 branches, primarily in the District of Columbia.
As of June 30, 2026, Industrial Bank reported a CET1 capital ratio of 25.63%, a return on assets of 0.03%, a nonperforming-loan ratio of 6.51%, a Texas ratio of 27.84%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 4812 Georgia Ave Nw, Washington, DC 20011
- County
- District Of Columbia
- Metro Area
- Washington-Arlington-Alexandria, DC-Va-MD-WV
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- August 18, 1934
- Former names
- Industrial Bank, National Association (1995-2007)
- Offices
- 9 domestic
- Employees (FTE)
- 137
- Domestic deposits
- $607.0M
- Allowance for credit losses
- $13.0M
- Net charge-offs (YTD)
- $2.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 18, 1934
- FDIC Cert
- 14679
- Fed RSSD
- 536527
- SEC CIK
- 1013274 → filed by IBW FINANCIAL CORPORATION
- Website
- www.industrial-bank.com →
- Parent Holding Company
- IBW FINANCIAL CORPORATION (RSSD 2326179)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Industrial Bank terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Industrial Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Non-performing loans (90+ days past due or non-accrual) exceed 3% of total loans, well above the typical community-bank range of 0.5–1.5%. BankRegReports band vs the 0.5–1.5% industry norm.
Industrial Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Industrial Bank: CET1 ratio, Texas Ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 25.63% | 0.03% | 6.51% | 27.84% | 3.84% |
| Q1 2026 | 24.93% | 0.00% | 6.19% | 26.03% | 3.60% |
| Q4 2025 | 25.50% | -0.27% | 7.03% | 24.42% | 3.67% |
| Q3 2025 | 25.69% | 0.77% | 3.88% | 20.01% | 3.62% |
| Q2 2025 | 25.62% | -0.12% | 3.51% | 16.02% | 3.95% |
| Q1 2025 | 25.63% | -0.74% | 3.04% | 11.41% | 3.45% |
| Q4 2024 | 26.28% | 0.02% | 2.62% | 14.70% | 3.69% |
| Q3 2024 | 27.36% | 0.52% | 3.78% | 13.70% | 3.82% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 9 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Industrial Bank (main office) | Washington , DC | 20011 | $161.1M |
| U Street Branch | Washington , DC | 20001 | $137.2M |
| City National Bank of Nj Branch | Newark , NJ | 07102 | $75.8M |
| Forestville Branch | Forestville , MD | 20747 | $65.2M |
| Oxon Hill Branch | Oxon Hill , MD | 20745 | $44.3M |
| Northeast Branch Office | Washington , DC | 20019 | $37.5M |
| Parkview Branch Office | Newark , NJ | 07114 | $32.2M |
| Harlem Branch | New York , NY | 10035 | $30.8M |
| Anacostia Branch | Washington , DC | 20020 | $22.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| November 2, 2019 | Structure Change | Acquired City National Bank of New Jersey Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| November 1, 2019 | Merger | Participated in FDIC Assisted Merger | FDIC |
| June 11, 1994 | Structure Change | Acquired John Hanson Federal Savings Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| March 27, 1992 | Structure Change | Acquired The Theodore Roosevelt National Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| March 26, 1992 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 5 events.
Regulatory record
What the public regulatory sources show for Industrial Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 2 against the institution (OCC); 7 against individuals associated with it
- March 22, 2004, OCC: Formal Agreement: Industrial Bank, National Association
- April 21, 2003, OCC: Formal Agreement: Industrial Bank, National Association
- Period: Most recent institution action March 22, 2004. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.6% of deposits in DC, rank 17 of 34 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 122 applications, 43 loans originated, $38.0M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Industrial Bank
What are Industrial Bank's total assets?
As of the Q2 2026 filing, Industrial Bank reported total assets of $774.2 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Industrial Bank headquartered?
Industrial Bank is headquartered in Washington, DC, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Industrial Bank founded?
Industrial Bank was established in 1934, per the FDIC institution directory.
Is Industrial Bank FDIC-insured?
Yes. Industrial Bank is an FDIC-insured commercial bank (FDIC Certificate #14679). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Industrial Bank?
Industrial Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Industrial Bank's CET1 capital ratio?
Industrial Bank reported a Common Equity Tier 1 (CET1) capital ratio of 25.63% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Industrial Bank operate?
Industrial Bank operates 9 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Industrial Bank's Texas Ratio?
Industrial Bank's Texas Ratio is 27.84% in its Q2 2026 call report, within the typical range for US community banks (25–50%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Industrial Bank previously called?
The charter now named Industrial Bank has also operated as Industrial Bank, National Association (1995-2007), per FDIC structure-change records.
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