Presidential Bank, FSB: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The largest change between Q1 2026 and Q2 2026 was in Equity capital to average assets, which rose 0.49 percentage points to 9.37%. Presidential Bank, FSB ranks 12th of 20 Maryland banks on CET1 ratio, in the lower half at 13.50% (Q2 2026). At 13.50%, Presidential Bank, FSB's CET1 ratio is close to the 13.48% median for banks in the $1B-10B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.50% |
| Tier 1 risk-based capital ratio | 13.50% |
| Total risk-based capital ratio | 14.75% |
| Tier 1 leverage ratio | 9.63% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $95.7M |
| Tier 1 capital | $95.7M |
| Total risk-based capital | $104.6M |
| Total equity capital | $93.1M |
| Risk-weighted assets | $709.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.20% |
| Tangible equity to tangible assets | 9.20% |
| Equity capital to average assets | 9.37% |
| Internal capital growth rate | 9.14% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $429K |
| Common stock surplus | $6.4M |
| Retained earnings | $89.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.8M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 12.77% | 12.77% | 14.03% | 10.43% | $695.1M |
| Q4 2023 | 12.05% | 12.05% | 13.30% | 10.02% | $732.0M |
| Q1 2024 | 11.47% | 11.47% | 12.72% | 9.10% | $749.8M |
| Q2 2024 | 11.43% | 11.43% | 12.68% | 9.13% | $757.7M |
| Q3 2024 | 11.95% | 11.95% | 13.14% | 9.13% | $735.2M |
| Q4 2024 | 12.46% | 12.46% | 13.66% | 9.38% | $711.0M |
| Q1 2025 | 12.53% | 12.53% | 13.77% | 9.58% | $712.4M |
| Q2 2025 | 12.34% | 12.34% | 13.47% | 9.47% | $745.5M |
| Q3 2025 | 12.63% | 12.63% | 13.79% | 9.04% | $733.0M |
| Q4 2025 | 12.96% | 12.96% | 14.15% | 8.88% | $719.6M |
| Q1 2026 | 12.87% | 12.87% | 14.12% | 9.12% | $726.1M |
| Q2 2026 | 13.50% | 13.50% | 14.75% | 9.63% | $709.0M |
Presidential Bank, FSB regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Presidential Bank, FSB, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Presidential Bank, FSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32363) · FFIEC NIC profile (RSSD 538473)