Headquartered in Washington, District of Columbia, Industrial Bank is a state-chartered bank with $774.2M in total assets and $607.0M in deposits as of Q2 2026. It operates 9 offices across 4 states. Its charter dates back to 1934.
Industrial Bank has a TellerScore of 52 out of 100 (below average) based on Q2 2026 data — higher than only 8% of its 2,650 banks with $100 million – $1 billion. Among 4 banks headquartered in District of Columbia, it ranks 4th. Capital cushion contributes the most (100/100, 15.23%); loan quality contributes the least (0/100, 6.56%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 2 points (50 → 52), mostly because the earnings component improved by 19 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 54 |
| Q3 2024 | 60 |
| Q4 2024 | 55 |
| Q1 2025 | 50 |
| Q2 2025 | 50 |
| Q3 2025 | 52 |
| Q4 2025 | 51 |
| Q1 2026 | 52 |
| Q2 2026 | 52 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 15.95% |
| Q3 2024 | 15.65% |
| Q4 2024 | 15.62% |
| Q1 2025 | 15.34% |
| Q2 2025 | 15.35% |
| Q3 2025 | 15.58% |
| Q4 2025 | 15.09% |
| Q1 2026 | 15.13% |
| Q2 2026 | 15.23% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 3.34% |
| Q3 2024 | 2.52% |
| Q4 2024 | 3.56% |
| Q1 2025 | 3.15% |
| Q2 2025 | 4.08% |
| Q3 2025 | 5.35% |
| Q4 2025 | 5.97% |
| Q1 2026 | 6.36% |
| Q2 2026 | 6.56% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.01% |
| Q3 2024 | 0.18% |
| Q4 2024 | 0.14% |
| Q1 2025 | -0.76% |
| Q2 2025 | -0.44% |
| Q3 2025 | -0.03% |
| Q4 2025 | -0.09% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.01% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 52 | $774.2M | 15.23% | 6.56% | 0.01% | 66.3% |
| Q1 2026 | 52 | $774.9M | 15.13% | 6.36% | 0.00% | 66.8% |
| Q4 2025 | 51 | $773.5M | 15.09% | 5.97% | -0.09% | 66.1% |
| Q3 2025 | 52 | $745.7M | 15.58% | 5.35% | -0.03% | 64.7% |
| Q2 2025 | 50 | $751.1M | 15.35% | 4.08% | -0.44% | 63.6% |
| Q1 2025 | 50 | $754.3M | 15.34% | 3.15% | -0.76% | 61.5% |
| Q4 2024 | 55 | $755.5M | 15.62% | 3.56% | 0.14% | 61.8% |
| Q3 2024 | 60 | $748.3M | 15.65% | 2.52% | 0.18% | 60.3% |
| Q2 2024 | 54 | $739.3M | 15.95% | 3.34% | -0.01% | 60.7% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in District of Columbia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The National Capital Bank of WashingtonBank Washington, DC | 55 out of 100, Moderate | $742.2M | 11.7% | 2.32% | vs |
| Founders BankBank Washington, DC | 77 out of 100, Strong | $406.0M | 14.2% | 0.00% | vs |
Deposit insurance
Is my money safe at Industrial Bank?
Yes. Industrial Bank is an FDIC-insured institution (FDIC certificate #14679). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 28.0% of deposits ($169.8M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 15.23%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 26.89% (benchmark: 10%).
9 locations
Branches
Industrial Bank lists 9 offices in 5 cities across 4 states. Most locations:
- Washington, DC (4)
- Newark, NJ (2)
- Forestville, MD (1)
- New York, NY (1)
- Oxon Hill, MD (1)
HMDA 2025
Mortgage lending
In 2025, Industrial Bank reported 116 home-loan applications under HMDA (LEI 549300J8HNLGP2HYNE66): 43 originated ($37,955,000 total), 58 denied, and 13 withdrawn or closed by the applicant. Its denial rate on decided applications was 56.3%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Industrial Bank
- Former names
- Industrial Bank, National Association; Industrial Bank of Washington
- Type
- State-chartered bank
- FDIC certificate #
- 14679
- RSSD ID
- 536527
- Primary regulator
- FDIC
- Holding company
- Ibw Financial Corp
- Established
- August 18, 1934
- Headquarters
- 4812 Georgia Ave Nw, Washington, DC 20011
- Website
- www.industrial-bank.com
- Employees
- 137
Quick answers
Industrial Bank: common questions
Is Industrial Bank FDIC insured?
Yes. Industrial Bank is an FDIC-insured institution (FDIC certificate #14679). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Industrial Bank's TellerScore?
52 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Industrial Bank ever failed?
There is no failure record for FDIC certificate #14679 in the FDIC failed bank list.
How many branches does Industrial Bank have?
9 offices as of the latest FDIC data, in 4 states.
Nearby
Highest-scoring banks and credit unions with branches near Washington
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Mount Pleasant Baptist Church Federal Credit UnionCredit union Alexandria, VA | 100 out of 100, Very strong | $370K | 17.4% | 0.00% | vs |
| Angelina County Teachers Credit UnionCredit union Lufkin, TX | 100 out of 100, Very strong | $12.9M | 18.4% | 0.04% | vs |
| None Suffer Lack Federal Credit UnionCredit union Suitland, MD | 99 out of 100, Very strong | $27.9M | 20.1% | 0.12% | vs |
| Lee Federal Credit UnionCredit union Washington, DC | 99 out of 100, Very strong | $5.5M | 50.7% | 0.00% | vs |
| Federation of Greene County Empl. Federal Credit UnionCredit union Eutaw, AL | 99 out of 100, Very strong | $2.2M | 23.1% | 0.08% | vs |
| Christiansted Federal Credit UnionCredit union Christiansted, VI | 98 out of 100, Very strong | $34.0M | 20.6% | 0.23% | vs |