BlastPoint's Banking Scorecard
Industrial Bank
Community
Specialty: Commercial
DC
FDIC cert 14679
Washington, DC
1484
banks in Community tier nationally
3 in DC
View Community leaderboard (DC) →
Industrial Bank has 1 strength but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 15.29% above tier
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 7% in Community
- - Efficiency Drag: Bottom 33% in Community
- - Liquidity Overhang: Bottom 40% in Community
- - Return on Assets 1.24% below tier
- - Delinquency Rate 5.53% above tier
- - Nonperforming Asset Ratio 2.70% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (DC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$773.4M
+2.4% YoY
+3.7% QoQ
|
-$618.0M |
$1.4B
+2.0% YoY
|
$808.9M
+3.0% YoY
|
$5.9B
+6.5% YoY
|
33% |
| Total Loans ? |
$399.7M
+0.5% YoY
-1.5% QoQ
|
-$575.8M |
$975.5M
+2.4% YoY
|
$563.7M
+3.3% YoY
|
$3.1B
+8.5% YoY
|
Bottom 15% in tier |
| Total Deposits ? |
$604.5M
-6.1% YoY
-3.6% QoQ
|
-$560.1M |
$1.2B
+1.7% YoY
|
$641.5M
+8.7% YoY
|
$4.7B
+6.3% YoY
|
28% |
| Return on Assets ? |
-0.08%
-155.2% YoY
-145.9% QoQ
|
-1.24% |
1.16%
+17.2% YoY
|
-0.08%
-115.1% YoY
|
1.12%
+15.6% YoY
|
Bottom 2% in tier |
| Net Interest Margin ? |
3.74%
-4.3% YoY
-0.1% QoQ
|
+0.07% |
3.66%
+9.1% YoY
|
3.49%
+5.0% YoY
|
3.75%
+7.1% YoY
|
56% |
| Efficiency Ratio ? |
91.89%
+0.7% YoY
-0.6% QoQ
|
+29.26% |
62.63%
-5.3% YoY
|
78.50%
-4.0% YoY
|
65.09%
-5.1% YoY
|
Bottom 3% in tier |
| Delinquency Rate ? |
6.16%
+68.9% YoY
+11.9% QoQ
|
+5.53% |
0.63%
+18.3% YoY
|
2.27%
+111.3% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
66.12%
+7.0% YoY
+2.2% QoQ
|
-16.94% |
83.06%
+0.3% YoY
|
87.82%
-4.4% YoY
|
78.04%
+0.7% YoY
|
85% |
| Non-Interest-Bearing Deposit Share ? |
22.79%
-4.6% YoY
+0.5% QoQ
|
+1.75% |
21.05%
-0.9% YoY
|
20.86%
-11.5% YoY
|
21.79%
-1.3% YoY
|
62% |
| Nonperforming Asset Ratio ? |
3.20%
+62.6% YoY
+6.1% QoQ
|
+2.70% |
0.50%
+20.3% YoY
|
1.32%
+116.2% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
25.53%
-2.8% YoY
-0.6% QoQ
|
+15.29% |
10.24%
-0.6% YoY
|
10.31%
-1.8% YoY
|
9.75%
-1.9% YoY
|
Top 2% in tier |
| Non-Interest Income / Assets ? |
0.66%
-3.5% YoY
+27.6% QoQ
|
-0.08% |
0.74%
-1.3% YoY
|
0.34%
+7.4% YoY
|
0.65%
+0.6% YoY
|
66% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 2%
in Community
Why this stands out
Current:
25.53%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (6)
Deposit Outflow
decline
#19 of 248 · Bottom 7% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
|
QoQ rank improving
Efficiency Drag
risk
#51 of 152 · Bottom 33% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
91.89%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Liquidity Overhang
risk
#107 of 268 · Bottom 40% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
25.53%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
66.12%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
Return on Assets
metric
Bottom 2%
in Community
Why this stands out
Current:
-0.08%
(Tier avg: 1.16%, National avg: 1.12%)
Delinquency Rate
metric
Bottom 1%
in Community
Why this stands out
Current:
6.16%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Community
Why this stands out
Current:
3.20%
(Tier avg: 0.50%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
98
98th pctile
Tier 1 Capital Ratio
Current: 25.53% · Tier avg: 10.24%
85
85th pctile
Loan-to-Deposit Ratio
Current: 66.12% · Tier avg: 83.06%
66
66th pctile
Non-Interest Income / Assets
Current: 0.66% · Tier avg: 0.74%
62
62th pctile
Non-Interest-Bearing Deposit Share
Current: 22.79% · Tier avg: 21.05%
56
56th pctile
Net Interest Margin
Current: 3.74% · Tier avg: 3.66%
33
33th pctile
Total Assets
Current: $773.4M · Tier avg: $1.4B
28
28th pctile
Total Deposits
Current: $604.5M · Tier avg: $1.2B
15
15th pctile
Total Loans
Current: $399.7M · Tier avg: $975.5M
3
3th pctile
Efficiency Ratio
Current: 91.89% · Tier avg: 62.63%
2
2th pctile
Return on Assets
Current: -0.08% · Tier avg: 1.16%
0
0th pctile
Delinquency Rate
Current: 6.16% · Tier avg: 0.63%
0
0th pctile
Nonperforming Asset Ratio
Current: 3.20% · Tier avg: 0.50%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 3.20% · Tier avg: 0.50%
0
0th pctile
Delinquency Rate
Current: 6.16% · Tier avg: 0.63%
2
2th pctile
Return on Assets
Current: -0.08% · Tier avg: 1.16%
3
3th pctile
Efficiency Ratio
Current: 91.89% · Tier avg: 62.63%
15
15th pctile
Total Loans
Current: $399.7M · Tier avg: $975.5M
28
28th pctile
Total Deposits
Current: $604.5M · Tier avg: $1.2B
33
33th pctile
Total Assets
Current: $773.4M · Tier avg: $1.4B
56
56th pctile
Net Interest Margin
Current: 3.74% · Tier avg: 3.66%
62
62th pctile
Non-Interest-Bearing Deposit Share
Current: 22.79% · Tier avg: 21.05%
66
66th pctile
Non-Interest Income / Assets
Current: 0.66% · Tier avg: 0.74%
85
85th pctile
Loan-to-Deposit Ratio
Current: 66.12% · Tier avg: 83.06%
98
98th pctile
Tier 1 Capital Ratio
Current: 25.53% · Tier avg: 10.24%