BanksPRESIDENTIAL BANK, FSB

PRESIDENTIAL BANK, FSB

BETHESDA, MDLargeEst. April 15, 1985, midnightFDIC #32363RSSD #538473OCC
Latest · 2025-12-31

PRESIDENTIAL BANK, FSB is an 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%. CET1 capital ratio: 12.96%, well above regulatory minimums. NPL ratio: 1.54% · Texas Ratio: 12.34%. Operates 11 domestic branches.

Assets
$1.1B
Deposits
$945M
Loans
$786M
Equity
$91M

Profitability

Return on Assets (ROA)0.39%
Return on Equity (ROE)4.54%
Net Interest Margin3.21%
Yield on Assets6.38%
Cost of Funds3.27%

Asset Quality

NPL Ratio1.54%
Net Charge-Off Ratio0.22%
Texas Ratio12.34%
NPA Ratio1.15%
ACL / Loans0.91%

Capital & Liquidity

CET1 Ratio12.96%
Tier 1 Capital12.96%
Total Capital Ratio14.15%
Leverage Ratio8.88%
Loan-to-Deposit83.18%

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