Total Assets
$773M
Total balance-sheet footings
FDIC Cert #14679 · Washington, District Of Columbia · Est. 1934
Industrial Bank - FDIC Bank Health Profile
This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.
- $773M
- Total assets
- C
- Health grade · Fair
- -0.09%
- Return on assets
- 25.5%
- Tier 1 capital
Data updated July 2026
The verdict
Industrial Bank earns a PlainBankData health grade of C (50/100), with well-capitalized at 25.50% Tier 1, -0.09% ROA, 92% efficiency ratio.
- #1,290
- largest of 4,313 FDIC banks by assets
- 70th
- percentile by asset size, nationally
- 25.50%
- Tier 1 ratio - above the 10% well-capitalized line
- 5th
- percentile for profitability (ROA), nationally
A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.
FDIC Call Report plate
Cert 14679 · DC C · 50/100
GRADE-C · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-HEALTHY · ROA-LOSS · SIZE-MID · BOOK-FULL
- GRADE-C C (50/100)
- BOTTOM-DECILE #4130/4307
- PHOTO-FINISH State Bank of Nauvoo · IL
- TIER1-WELL 25.5% Tier 1
- TEXAS-HEALTHY 20.5% Texas
- ROA-LOSS -0.09% ROA
- SIZE-MID $100M–1B
- BOOK-FULL 9/9 fields
Nearest health peer outside District Of Columbia: State Bank of Nauvoo, IL (±0 health pts)
Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.
Health-score neighbourhood around Industrial Bank
Lowest and highest poles plus nearest scored peers outside District Of Columbia, not a full FDIC corpus board reprint.
Plate reading for Industrial Bank where failures stay rare
Industrial Bank (FDIC Cert #14679) carries a PlainBankData health grade of C at 50/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,130 of 4,307. Tier 1 capital prints at 25.50%, clearing the 10% well-capitalized line. The Texas Ratio is 20.48%, inside the sub-50% band analysts treat as healthy. Return on assets is -0.09%. Balance-sheet scale is $773M, 1,290th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is State Bank of Nauvoo (IL), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.
State failure history around Industrial Bank
Zero FAILURE resolutions in District Of Columbia since 2000
Industrial Bank is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (0 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.
- CITY NATIONAL BANK OF WASHINGTON WASHINGTON, DC 1993 → CRESTAR BANK NATIONAL AS
- METROPOLITAN BANK, N.A. WASHINGTON, DC 1992 → ADAMS NATIONAL BANK
- THEODORE ROOSEVELT NATIONAL BANK WASHINGTON, DC 1992 → INDUSTRIAL BANK OF WA
Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and District Of Columbia banks.
How Industrial Bank's 50/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Tier 1 Capital Ratio (25.50%) 40/40
Return on Assets (ROA) (-0.09%) 0/25
Texas Ratio (20.48%) 10/20
Efficiency Ratio (92.46%) 0/15
50 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$605M
Customer-funded liabilities
Net Loans
$400M
Outstanding loan book
Net Income
$-707K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Industrial Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Industrial Bank's score of 50/100 falls in the highlighted band.
Industrial Bank: health score vs. every FDIC-insured bank
0-100 composite health score, FDIC Call Reports
50 4th percentile higher than 4% of 4,307 FDIC-insured banks
Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source FDIC Call Reports · July 2026
Industrial Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Industrial Bank's $773M falls in the highlighted band.
Safety metrics: Industrial Bank
Tier 1 capital ratio
Well-capitalized 10%
25.50% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
25.50%
Texas Ratio
20.48%
Equity Capital
$108M
Profitability metrics: Industrial Bank
Return on Assets (ROA)
5th percentile nationally
-0.09%
Return on Equity (ROE)
-0.67%
Efficiency Ratio
92.46%
Income & expense: loss period at Industrial Bank
$36M
Interest Income
$5M
Non-Interest Income
$29M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Industrial Bank reports a Texas Ratio of 20.48% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
20.48% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at Industrial Bank
Industrial Bank's grade of C reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-707K for the period, a loss that, if sustained, erodes the equity cushion.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Industrial Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.
Top banks in District Of Columbia by total assets
Nationwide banks with similar total assets
Nearest other-state banks with ≥$10M assets ($773M here), outside District Of Columbia so the neighborhood is not state containment.
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Industrial Bank (FDIC Cert #14679) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Industrial Bank Call Report profile · FDIC Failed Bank List · District Of Columbia FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.
Other banks in District Of Columbia
All District Of Columbia banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| City First Bank, National AssociationWashington | $1.3B | C | -1.85% |
| The National Capital Bank of WashingtonWashington | $763M | A | 1.05% |
| Founders BankWashington | $357M | B | 0.55% |