Bank Comparison
Presidential Bank, FSB vs United Texas Bank, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 11
winning metrics across 21 comparable rows
Capital adequacy
| Metric | Presidential Bank, FSB | United Texas Bank, N.A. |
|---|---|---|
| CET1 Ratio | 12.87% | — |
| Tier 1 Capital Ratio | 12.87% | — |
| Total Capital Ratio | 14.12% | — |
| Tier 1 Leverage Ratio | 9.12% | 15.75% |
| Equity / Assets | 8.91% | 16.25% |
Profitability
| Metric | Presidential Bank, FSB | United Texas Bank, N.A. |
|---|---|---|
| Return on Assets (ROA) | 0.14% | 0.24% |
| Return on Equity (ROE) | 1.53% | 1.51% |
| Net Interest Margin (NIM) | 3.24% | 2.44% |
| Yield on Earning Assets | 5.90% | 5.28% |
| Cost of Funds | 2.84% | 3.30% |
Asset quality
| Metric | Presidential Bank, FSB | United Texas Bank, N.A. |
|---|---|---|
| Texas Ratio | 14.58% | 7.68% |
| Non-Performing Loan Ratio | 1.82% | 0.06% |
| Non-Performing Asset Ratio | 1.41% | 1.30% |
| Net Charge-Off Ratio | 0.13% | -0.62% |
| ACL / Loans | 0.99% | 1.10% |
Balance sheet
| Metric | Presidential Bank, FSB | United Texas Bank, N.A. |
|---|---|---|
| Total Assets | $1,022M | $1,023M |
| Total Deposits | $907,853K | $761,661K |
| Total Loans | $794,232K | $645,567K |
| Total Equity | $91,030K | $166,411K |
| Net Income (quarter) | $349 | $637 |
Liquidity & funding
| Metric | Presidential Bank, FSB | United Texas Bank, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 87.48% | 84.76% |
| Core Deposit Ratio | 90.66% | 86.36% |
| Uninsured Deposit Ratio | 18.76% | 31.28% |
Identity
| Metric | Presidential Bank, FSB | United Texas Bank, N.A. |
|---|---|---|
| Headquarters City | BETHESDA | DALLAS |
| Headquarters State | MD | TX |
| Asset Tier | 4: $1B-10B | 4: $1B-10B |
| Charter Class | 708186 | 25377 |
| Regulator | OCC | OCC |
| Domestic Branches | 11 | 3 |
| Employees (FTE) | 358 | 86 |
| Established | April 15, 1985, midnight | April 7, 1986, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of March 31, 2026. The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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