National Capital Bank of Wa vs Industrial Bank
Side-by-side bank health comparison using FDIC financial data
National Capital Bank of Wa and Industrial Bank are meaningfully apart on the BankHealth rubric: National Capital Bank of Wa grades A, Industrial Bank grades B. Size-wise, National Capital Bank of Wa holds $716M in assets versus $739M at Industrial Bank.
National Capital Bank of Wa comes out ahead on the composite score. For depositors comparing banks, the spread is large enough to be informative — though for amounts below FDIC insurance limits, both banks are operationally similar from a safety-of-deposits perspective.
Verdict
National Capital Bank of Wa has a stronger Bank Health Score of 92/100 (A) compared to Industrial Bank at 71/100 (B), a difference of 21 points. National Capital Bank of Wa holds a Tier 1 capital ratio of 15.32% and an NPL ratio of 0.00%.
| Metric | National Capital Bank of Wa | Industrial Bank |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 92/100 (A)* | 71/100 (B) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 15.3% | 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 | 25.9% | 41.5%* |
| Return on Assets Profitability metric (above 1% is strong) | 1.1%* | -0.3% |
| Total Assets | $716M | $739M |
| Total Deposits | $610M | $628M |
| Location | Washington, District of Columbia | Washington, District of Columbia |
National Capital Bank of Wa has a stronger Bank Health Score of 92/100 (A) compared to Industrial Bank at 71/100 (B), a difference of 21 points. National Capital Bank of Wa holds a Tier 1 capital ratio of 15.32% and an NPL ratio of 0.00%.