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Industrial Bank
Washington, DC · FDIC Certificate #14679 · Chartered 08/1
Total assets
$774.25M
Total deposits
$606.99M
Total equity
$106.86M
Net loans
$402.17M
Branches (offices)
9
Net income (YTD)
$52.00K
Rank: #1,285 of 4,213 U.S. banks by assets · #2 of 4 in District of Columbia. Assets changed 3.1% and deposits -4.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.01% |
| Return on equity | 0.10% |
| Net interest margin (YTD) | 3.90% |
| Equity to assets | 13.80% |
| Tier 1 leverage ratio | 15.23% |
| Uninsured deposits (share of deposits) | 28.0% |
| Noncurrent loans (share of loans) | 6.56% |
| Net charge-offs (share of loans) | 1.17% |
| Loans to deposits | 66.3% |
| Real estate loans (share of loans) | 90.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $364.60M | 90.7% | |
| Commercial & industrial | $50.21M | 12.5% | |
| Consumer / individual | $251.00K | 0.1% | |
| Construction & development | $64.51M | 16.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $690.21M | $559.16M | $120.00K | $101.80M |
| Jun 2023 | $707.40M | $601.53M | $797.00K | $96.21M |
| Jun 2024 | $739.27M | $628.49M | -$19.00K | $99.49M |
| Jun 2025 | $751.14M | $636.11M | -$1.66M | $104.26M |
| Jun 2026 | $774.25M | $606.99M | $52.00K | $106.86M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| District of Columbia | $358.62M | 4 |
| Maryland | $109.57M | 2 |
| New Jersey | $108.05M | 2 |
| New York | $30.75M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $606.99M.
Similar-sized banks
Highland Bank ($775.92M) · American Bank, National Association ($773.83M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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