Presidential Bank, FSB: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Brokered deposits to total deposits climbed 2.49 percentage points in Q2 2026, from 2.75% to 5.24%. It was the largest change from Q1 2026 among the key lines here. Within Maryland, Presidential Bank, FSB is 15th of 27 on loan-to-deposit ratio, 87.32% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; Presidential Bank, FSB reported 87.32% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | — |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $193.6M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.32% |
| Net loans and leases to deposits | 86.48% |
| Loans and leases to core deposits | 93.11% |
| Core deposits to total deposits | 88.54% |
| Brokered deposits to total deposits | 5.24% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 103.54% | 88.63% | $0 | $87.0M |
| Q4 2023 | 103.54% | 89.96% | $0 | $92.0M |
| Q1 2024 | 107.17% | 89.01% | $0 | $123.2M |
| Q2 2024 | 117.65% | 88.99% | $0 | $189.6M |
| Q3 2024 | 104.15% | 81.63% | $0 | $145.0M |
| Q4 2024 | 96.35% | 82.52% | $0 | $71.0M |
| Q1 2025 | 90.81% | 83.47% | $0 | $0 |
| Q2 2025 | 93.01% | 84.48% | $0 | $4.5M |
| Q3 2025 | 86.24% | 87.74% | $0 | $0 |
| Q4 2025 | 83.18% | 91.03% | $0 | $0 |
| Q1 2026 | 87.48% | 90.66% | $0 | $0 |
| Q2 2026 | 87.32% | 88.54% | $0 | $0 |
Presidential Bank, FSB liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Presidential Bank, FSB, freeSource: Call Report Schedules RC and RC-M, 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)