City First Bank NA vs Industrial Bank
Side-by-side bank health comparison using FDIC financial data
City First Bank NA (A) and Industrial Bank (B) are close on the BankHealth rubric. Asset bases: $1.4B versus $739M.
With grades this close, the choice between banks turns more on product fit, branch convenience, rates, and digital experience than on rubric-driven safety differences.
Verdict
City First Bank NA has a stronger Bank Health Score of 85/100 (A) compared to Industrial Bank at 71/100 (B), a difference of 14 points. City First Bank NA holds a Tier 1 capital ratio of 13.8% and an NPL ratio of 0.03%.
| Metric | City First Bank NA | Industrial Bank |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 85/100 (A)* | 71/100 (B) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 13.8% | 26.6%* |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 0.0%* | 3.3% |
| Liquidity Ratio Cash and liquid assets vs obligations | 25.6% | 41.5%* |
| Return on Assets Profitability metric (above 1% is strong) | 0.1%* | -0.3% |
| Total Assets | $1.4B | $739M |
| Total Deposits | $766M | $628M |
| Location | Washington, District of Columbia | Washington, District of Columbia |
City First Bank NA has a stronger Bank Health Score of 85/100 (A) compared to Industrial Bank at 71/100 (B), a difference of 14 points. City First Bank NA holds a Tier 1 capital ratio of 13.8% and an NPL ratio of 0.03%.