Industrial Bank (FDIC #14679): Bank Stress & Real-Estate Credit Exposure
Industrial Bank (FDIC Cert #14679): bank stress 76/100, severe, STABLE over 7 days; parent IBW FINANCIAL CORP.
Industrial Bank (#14679) lends in 4 counties across 4 states; Industrial Bank (#14679) reaches 198 ZIP codes: New York 1 county, 70 ZIPs; District of Columbia 1 county, 57 ZIPs; Maryland 1 county, 40 ZIPs; New Jersey 1 county, 31 ZIPs.
Industrial Bank (#14679) largest markets: New York County, NY (70 branches, 70 ZIPs) (#14679), District Of Columbia County, DC (228 branches, 57 ZIPs) (#14679), Prince George's County, MD (80 branches, 40 ZIPs) (#14679), Essex County, NJ (62 branches, 31 ZIPs) (#14679).
Industrial Bank (#14679) reports $774.2 million in total assets; Industrial Bank (#14679) equity $106.9 million (13.8% of Industrial Bank (#14679) assets); Industrial Bank (#14679) domestic deposits $607.0 million; Industrial Bank (#14679) net income $52,000; Industrial Bank (#14679) return on assets 0.01%; Industrial Bank (#14679) return on equity 0.10%; Industrial Bank (#14679) net interest income $14.0 million; Industrial Bank (#14679) call report June 30, 2026.
Industrial Bank (#14679) noncurrent real-estate loans 1.28% of its book; Industrial Bank (#14679) residential 2.84%; Industrial Bank (#14679) net charge-offs on real estate 6.93%; Industrial Bank (#14679) multifamily charge-offs 6.73%; Industrial Bank (#14679) residential charge-offs 7.95%.
Industrial Bank (#14679) net interest margin 3.90% against an eight-quarter Industrial Bank (#14679) average of 3.79% (Industrial Bank (#14679) compression -0.11 points); Industrial Bank (#14679) real-estate loans 127.7% of equity; Industrial Bank (#14679) non-residential real estate 795.3% of equity; Industrial Bank (#14679) rate-exposure score 40/100, Industrial Bank (#14679) fixed-rate trap 40/100; Industrial Bank (#14679) risk type credit driven; Industrial Bank (#14679) rate regime rates elevated, Industrial Bank (#14679) snapshot October 20, 2026.
Industrial Bank (#14679) stress score moved from 75 on June 22, 2026 to 75.9 on October 20, 2026; Industrial Bank (#14679) ranged 75 to 75.9 over 117 snapshots.
Industrial Bank (#14679) alerts: 4 counties; top Industrial Bank (#14679) alert scores: Newark County, DC 25 (low); New York County, DC 25 (low); Oxon Hill County, DC 25 (low); Washington County, DC 25 (low).