This institution is no longer active

Operations ceased on December 31, 1998. CRA examination history below reflects the period it was active.

INDUSTRIAL BANK

LOS ANGELES, CA · Supervised by FDIC

Est. 1983FDIC #24,796RSSD: FDIC-24796

Satisfactory Same

Current rating · Exam: November 1998

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -3.43%

Institution Profile

FDIC BankFind

Address

5805 Sepulveda Boulevard, LOS ANGELES, CA

County

Los Angeles County

Established

November 14, 1983

Total Assets

$30M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

November 1, 1998

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 27 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q3 1998Call Report / FDIC

Total Assets

$30M

Total Deposits

$28M

Net Loans

$14M

Net Income

$-808K

ROA

-3.43%

Below avg for Small banks. Peer avg: 0.44%

ROE

-71.88%

Risk-Based Capital

6.89%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA-3.43%Peer avg: 0.44%▼ Below avg

Risk-Based Capital6.89%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate44.04%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	109	45.87%	44.04%
2023	16	81.25%	0.00%
2022	70	28.57%	35.71%
2021	244	48.77%	21.31%
2020	207	51.69%	16.43%
2019	158	55.7%	18.35%
2018	157	49.04%	18.47%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Nov 1998	Satisfactory	Small Bank
Mar 1996	Satisfactory	Not Reported
Sep 1993	Satisfactory	Not Reported

1 previous rating locked — back to 1991

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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