PRESIDENTIAL BANK, FSB

BETHESDA, MD | Large | Est. April 15, 1985, midnight | FDIC #32363 | RSSD #538473 | OCC
Latest Report: 2025-12-31

PRESIDENTIAL BANK, FSB is aln large FDIC-insured commercial bank headquartered in BETHESDA, MD, established in April 15, 1985, midnight. As of 2025-12-31, the bank reported total assets of $1.1B and total deposits of $945M. Profitability stands at 0.39% ROA and 4.54% ROE, with a net interest margin of 3.21%. The bank's CET1 capital ratio is 12.96%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.54% and a Texas Ratio of 12.34%. FDIC Certificate #32363.

Assets

$1.1B

Deposits

$945M

Loans

$786M

Equity

$91M

Profitability

Return on Assets (ROA) 0.39%
Return on Equity (ROE) 4.54%
Net Interest Margin (NIM) 3.21%
Yield on Assets 6.38%
Cost of Funds 3.27%

Asset Quality

NPL Ratio 1.54%
Net Charge-Off Ratio 0.22%
Texas Ratio 12.34%
NPA Ratio 1.15%
ACL / Loans 0.91%

Capital & Liquidity

CET1 Ratio 12.96%
Tier 1 Capital 12.96%
Total Capital Ratio 14.15%
Leverage Ratio 8.88%
Loan-to-Deposit 83.18%

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