Presidential Bank, FSB: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 6.92 percentage points in Q2 2026, from 331.70% to 324.78%. It was the largest change from Q1 2026 among the key lines here. Presidential Bank, FSB ranks 15th of 27 Maryland banks on loan-to-deposit ratio, in the lower half at 87.32% (Q2 2026). At 87.32%, Presidential Bank, FSB's loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $783.4M |
| Net loans and leases | $775.8M |
| Loans held for sale | $108.1M |
| Loans to total assets | 77.41% |
| Loan-to-deposit ratio | 87.32% |
| Net loans to equity capital | 8.34% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 31.79% |
| Multifamily (5+ residential) | 4.98% |
| Commercial and industrial | 2.23% |
| Consumer | 5.29% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 324.78% |
| Construction concentration (Tier 1 capital + allowance) | 61.75% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.58% |
| Interest income on loans | $13.0M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $699.4M | $675.5M | 38.75% | 11.05% | 7.48% |
| Q4 2023 | $763.4M | $737.2M | 36.31% | 9.46% | 7.05% |
| Q1 2024 | $789.1M | $736.3M | 35.10% | 8.61% | 6.49% |
| Q2 2024 | $817.6M | $694.9M | 34.22% | 7.11% | 6.02% |
| Q3 2024 | $794.0M | $762.4M | 35.33% | 6.33% | 5.88% |
| Q4 2024 | $769.3M | $798.4M | 33.80% | 5.59% | 5.79% |
| Q1 2025 | $769.8M | $847.7M | 34.29% | 4.89% | 5.78% |
| Q2 2025 | $839.1M | $902.2M | 31.39% | 3.87% | 5.40% |
| Q3 2025 | $799.5M | $927.1M | 33.04% | 3.58% | 5.74% |
| Q4 2025 | $786.0M | $944.9M | 32.55% | 3.16% | 5.77% |
| Q1 2026 | $794.2M | $907.9M | 32.26% | 2.67% | 5.51% |
| Q2 2026 | $783.4M | $897.1M | 31.79% | 2.23% | 5.29% |
Presidential Bank, FSB loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Presidential Bank, FSB, freeSource: Call Report Schedule RC-C, 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)