Industrial Bank: how it compares with its peers
Against 999 U.S. banks with half to twice its assets, Industrial Bank's strongest measure in Q2 2026 is net interest margin (3.90% vs. a 3.85% peer median). Its weakest relative measure is return on assets (0.01% vs. 1.27%).
| Measure | Industrial Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.01% | 1.27% | Bottom third Ahead of 3% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.90% | 3.85% | Middle third Ahead of 52% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 83.06% | 61.38% | Bottom third Ahead of 8% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.7M | $7.3M | Bottom third Ahead of 18% of peers |
| Loans to deposits Net loans and leases over total deposits. | 66.26% | 83.14% | Context |
What it means for lending operations
Its efficiency ratio of 83.06% is above the 61.38% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- American Bank, National Association Dallas, TX · $774M
- CFSBANK Charleroi, PA · $773M
- Highland Bank Saint Paul, MN · $776M
- Home State Bank, National Association Crystal Lake, IL · $776M
- First Central State Bank Dewitt, IA · $772M
- Wilmington Trust, National Association Wilmington, DE · $772M
Questions about Industrial Bank
How big is Industrial Bank?
Industrial Bank, established in 1934, is headquartered in Washington, DC. It reported $774M in total assets in its Q2 2026 FDIC call report and operates 9 offices.
What is Industrial Bank's return on assets?
0.01% annualized in Q2 2026, against a 1.27% median for 999 U.S. banks with half to twice its assets, ahead of 3% of them.
What is Industrial Bank's efficiency ratio?
83.06% in Q2 2026: it spent about 83 cents in noninterest expense for each dollar of revenue. The peer median is 61.38%, and lower is better.
Is Industrial Bank growing its loans?
Net loans shrank 0.5% over the year to Q2 2026, while deposits shrank 4.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every District of Columbia bank ranked.