Founders Bank vs Industrial Bank
Side-by-side bank health comparison using FDIC financial data
Founders Bank (A) and Industrial Bank (B) are close on the BankHealth rubric. Asset bases: $316M 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
Founders Bank has a stronger Bank Health Score of 80/100 (A) compared to Industrial Bank at 71/100 (B), a difference of 9 points. Founders Bank holds a Tier 1 capital ratio of 16.2% and an NPL ratio of 0.00%.
| Metric | Founders Bank | Industrial Bank |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 80/100 (A)* | 71/100 (B) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 16.2% | 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 | 17.6% | 41.5%* |
| Return on Assets Profitability metric (above 1% is strong) | 0.1%* | -0.3% |
| Total Assets | $316M | $739M |
| Total Deposits | $244M | $628M |
| Location | Washington, District of Columbia | Washington, District of Columbia |
Founders Bank has a stronger Bank Health Score of 80/100 (A) compared to Industrial Bank at 71/100 (B), a difference of 9 points. Founders Bank holds a Tier 1 capital ratio of 16.2% and an NPL ratio of 0.00%.