Industrial banks are financial lifelines that power America
Serving customers overlooked by other banks
and meeting real needs for real Americans
Why Industrial Banks Matter
Financial lifelines
Industrial banks make the system more competitive. The real risk to the system is excessive concentration.
Real banks
Industrial banks are banks like any other bank — fully regulated, fully insured, and subject to FDIC oversight with rigorous capital, liquidity, and governance standards.
Strongest safety record
Industrial banks have the strongest safety record in American banking, with capital ratios averaging nearly 50 percent higher than the rest of the industry.
Source of strength
Industrial banks are owned by real companies with real customers, real earnings, and real capital, and those owners must be a source of strength for their banks — or they don’t get to have a bank.
Competition
Industrial banks are financial lifelines, serving customers overlooked by other banks and meeting real needs for real Americans.
By the Numbers
Capital ratios averaging nearly 50 percent higher than the rest of the industry
Strongest safety record in American banking
Fully regulated and FDIC-insured institutions
Resources
Reports & Studies
Reports show that ILCs are safe and sound and should be viewed and regulated differently.
Comment Letters
Association letters regarding the potential changes to the regulatory landscape for ILCs.
Upcoming Events
NAIB & UAFS Annual Convention
Park City, UT
October 7-9, 2026
Who we are:
The National Association of Industrial Bankers represents the nation’s industrial banks, which provide FDIC-insured financial services across the United States. Industrial banks have a unique record of safety, innovation, and support for American businesses and families.