Industrial Bank
Total assets
$774.2M
▲ +3.1% YoY
Deposits
$607.0M
▼ -4.6% YoY
Loans
$402.2M
▼ -0.5% YoY
Offices
9
IBW FINANCIAL CORP
ROA (annualized)
0.01%
peers 1.28%
ROE (annualized)
0.10%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | Industrial Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.1% | +4.9% | -1.8 pts |
| Deposit growth (YoY) | -4.6% | +4.3% | -8.9 pts |
| Loan growth (YoY) | -0.5% | +5.3% | -5.9 pts |
| ROA | 0.01% | 1.28% | -1.3 pts |
| ROE | 0.1% | 12.4% | -12.3 pts |
ROA ranks in the 3rd percentile of its peer group · Q2 2026
Profile
- Established
- 1934
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- IBW FINANCIAL CORP
- Specialization
- Commercial Lending Specialization
- Address
- 4812 Georgia Ave Nw, Washington, DC, 20011
- County
- District Of Columbia
- Metro area
- Washington-Arlington-Alexandria, DC-VA-MD-WV
- Offices
- 9
- FDIC cert #
- 14679
- RSSD ID
- 536527
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $774.2M | $607.0M | $402.2M | $106.9M | $52K | 0.01% | 3.90% | 3.52% |
| Q1 2026 | $774.9M | $607.9M | $406.1M | $107.0M | $2K | 0.00% | 3.83% | 3.44% |
| Q4 2025 | $773.5M | $604.5M | $399.7M | $107.5M | $-707K | -0.09% | 3.74% | 3.20% |
| Q3 2025 | $745.7M | $627.4M | $405.9M | $107.4M | $-175K | -0.03% | 3.74% | 3.02% |
| Q2 2025 | $751.1M | $636.1M | $404.3M | $104.3M | $-1.7M | -0.44% | 3.71% | 2.30% |
| Q1 2025 | $754.3M | $642.3M | $394.7M | $103.2M | $-1.4M | -0.76% | 3.57% | 1.73% |
| Q4 2024 | $755.5M | $643.7M | $397.6M | $101.8M | $1.0M | 0.14% | 3.90% | 1.97% |
| Q3 2024 | $748.3M | $632.2M | $381.0M | $105.9M | $985K | 0.18% | 3.92% | 1.36% |
Loan mix (Q2 2026): real estate $364.6M · commercial $50.2M · consumer $251K · securities $283.8M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | Industrial Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.01% | 1.28% | 3th | |
Return on equity Annualized net income ÷ equity or net worth | 0.1% | 12.4% | 3th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.90% | 3.89% | 50th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.1% | 61.2% | 92th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Industrial Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Industrial Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Industrial Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Industrial Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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