Presidential Bank, FSB
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Data as of · sourced from FFIEC call reports. How we update
Presidential Bank, FSB is an FDIC-insured savings institution headquartered in Bethesda, MD, established in 1985 (FDIC certificate 32363), and it is supervised by the OCC. At Q2 2026 it reported total assets of $1.01B, down 0.6% from Q2 2025, the 10th largest of 27 banks headquartered in Maryland. Its CET1 capital ratio was 13.50% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 32363
- Headquarters
- Bethesda, MD
- Established
- 1985
- Total assets, Q2 2026
- $1.01B
- Assets vs Q2 2025
- -0.6%
- CET1 ratio, Q2 2026
- 13.50%
- Domestic offices
- 11 FDIC institution directory, current count
- Routing number
- 255073345
- Latest call report
- Q2 2026, FFIEC 051 · Presidential Bank, FSB call report
- Holding company
- PRESIDENTIAL HOLDINGS, INC.
- Asset rank in state
- 10th of 27 in Maryland
Problem loans are rising at Presidential Bank, FSB. Based in Bethesda, Maryland, it had $1.0 billion in assets at June 30, 2026. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.64% of loans from 1.11% a year earlier. It spends about 85 cents to bring in each dollar of revenue, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 58 cents). It also carries problem assets equal to 12.8% of the capital and reserves that would absorb them, 3.6 times the median of 3.6% for banks its size.
The balance sheet shrank over the year: over the year loans fell 6.6% and deposits fell 0.6%. The non-owner-occupied commercial real estate book ($233 million) is worsening: 2.76% of it is past due or on nonaccrual, up from 1.15% a year earlier. Funding is the softer spot: it pays an average of 2.81% on its deposits and borrowings, higher than about three-quarters of banks its size (median 2.01%).
As of June 30, 2026, Presidential Bank, FSB reported a CET1 capital ratio of 13.50%, a return on assets of 0.87%, a nonperforming-loan ratio of 1.64% and a Texas ratio of 12.75%. The figures come from its call report filed with the FFIEC.
Of the 27 banks headquartered in Maryland, Presidential Bank, FSB is the 10th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 1.0% to $1.01B, loans fell 1.4% and deposits fell 1.2%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 47.5% of total loans, ahead of non-owner-occupied commercial real estate loans at 29.7%. Its 11 offices in the FDIC Summary of Deposits are in 9 cities across 3 states; its Bethesda 2 offices book 64% of its branch deposits. By the capital ratios in its Q2 2026 call report, Presidential Bank, FSB meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 4520 East West Hwy, Bethesda, MD 20814
- County
- Montgomery
- Metro Area
- Washington-Arlington-Alexandria, DC-Va-MD-WV
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- Limited trust powers granted
- Call Report form
- FFIEC 051
- Established
- April 15, 1985
- Former names
- Presidentialsavings Bank, FSB (1988-2000)
- Domestic offices
- 11 FDIC institution directory, current count
- Employees (FTE)
- 354
- Domestic deposits
- $897.1M
- Allowance for credit losses
- $7.6M
- Net charge-offs (YTD)
- $355K
- Average total assets
- $993.4M
- Average total loans
- $774.5M
- Average interest-bearing deposits
- $849.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 32363
- Fed RSSD
- 538473
- Website
- www.presidential.com →
- Parent Holding Company
- PRESIDENTIAL HOLDINGS, INC. (RSSD 3917006)
- Ultimate Parent
- A. BRUCE CLEVELAND REVOCABLE LIVING TRUST (RSSD 3917275)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Presidential Bank, FSB's total assets ran between $864.7M (Q3 2023) and $1.06B (Q4 2025), and it earned a profit in 9 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.01B total assets against $1.02B; $919.0M total liabilities against $928.8M.
$775.8M net loans and leases against $831.7M; $897.1M total deposits against $902.2M.
$53.7M securities against $59.7M; $139.9M cash and balances due against $77.1M.
$14.6M total interest income against $14.7M; $6.2M total interest expense against $7.0M.
$8.5M net interest income against $7.7M.
$9.8M total noninterest income against $9.5M; $15.6M total noninterest expense against $14.0M.
-$95K provision for credit losses against $118K.
$2.2M net income against $2.4M.
0.87% return on assets against 0.97%; 3.53% net interest margin against 3.29%.
13.50% CET1 capital ratio against 12.34%; 9.63% tier 1 leverage ratio against 9.47%.
Inside the full Presidential Bank, FSB terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Presidential Bank, FSB rankings
Its closest position to the top of a national ranking is 429 of 3,640, for Texas Ratio; its furthest is 3,380 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.14% (Q1 2026) to 0.97% (Q2 2025) and its net interest margin ran from 3.05% (Q4 2025) to 3.53% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.50% | 0.87% | 1.64% | 12.75% | 3.53% |
| Q1 2026 | 12.87% | 0.14% | 1.60% | 12.87% | 3.24% |
| Q4 2025 | 12.96% | 0.39% | 1.54% | 12.34% | 3.05% |
| Q3 2025 | 12.63% | 0.15% | 1.12% | 9.16% | 3.15% |
| Q2 2025 | 12.34% | 0.97% | 1.11% | 9.63% | 3.29% |
| Q1 2025 | 12.53% | 0.30% | 1.22% | 9.91% | 3.24% |
| Q4 2024 | 12.46% | 0.40% | 0.95% | 7.80% | 3.23% |
| Q3 2024 | 11.95% | 0.46% | 0.77% | 6.57% | 3.07% |
Swipe the table sideways to see every column.
Branch Network
View all 11 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Www.Presidential.Com Branch | Bethesda , MD | 20814 | $417.4M |
| Presidential Bank, FSB (main office) | Bethesda , MD | 20814 | $153.4M |
| Rockville Branch | Rockville , MD | 20852 | $81.1M |
| Leesburg Branch | Leesburg , VA | 20175 | $46.2M |
| 1660 K Street Branch | Washington , DC | 20006 | $40.9M |
| Mclean Branch | Mclean , VA | 22101 | $34.3M |
| Reston Branch | Reston , VA | 20190 | $31.2M |
| Tysons Branch | Vienna , VA | 22182 | $30.4M |
| Rosslyn Branch | Arlington , VA | 22209 | $23.4M |
| Arlington Branch | Arlington , VA | 22203 | $19.6M |
| Frederick Branch | Frederick , MD | 21701 | $19.2M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 4 against the institution (OCC, OCC (former OTS))
- June 13, 2012, OCC: Civil Money Penalty (CMP): Presidential Bank, FSB
- January 20, 2012, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Presidential Bank, FSB
- May 3, 2010, OCC (former OTS): Supervisory Agreement: Presidential Bank, FSB
- May 3, 2010, OCC (former OTS): Supervisory Agreement: Presidential Holdings, Inc.
- Period: Most recent institution action June 13, 2012. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in MD, rank 30 of 69 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 3,991 applications, 3,063 loans originated, $1.16B originated, across 49 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $785K approved, $785K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2007 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Presidential Bank, FSB
What are Presidential Bank, FSB's total assets?
As of the Q2 2026 filing, Presidential Bank, FSB reported total assets of $1.01 billion in its FFIEC call report.
Where is Presidential Bank, FSB headquartered?
It is headquartered in Bethesda, MD, United States.
When was Presidential Bank, FSB founded?
It was established in 1985, per the FDIC institution directory.
Is Presidential Bank, FSB FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #32363). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Presidential Bank, FSB?
Presidential Bank, FSB's primary federal regulator is the OCC.
What is Presidential Bank, FSB's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.50% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Presidential Bank, FSB operate?
It operates 11 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Presidential Bank, FSB's Texas Ratio?
Its Texas Ratio is 12.75% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Presidential Bank, FSB previously called?
The charter now named Presidential Bank, FSB has also operated as Presidentialsavings Bank, FSB (1988-2000), per FDIC structure-change records.
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