Presidential Bank, FSB: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Presidential Bank, FSB of Bethesda, MD against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.87% | 1.44% | -0.57% | 22nd bottom |
| ROAE | 9.42% | 12.51% | -3.09% | 28th below |
| Net Interest Margin | 3.53% | 3.84% | -0.31% | 37th below |
| Efficiency Ratio | 85.39% | 58.84% | +26.55% | 4th bottom |
| PPNR / Avg Assets | 1.08% | 1.78% | -0.70% | 18th bottom |
| Yield on Earning Assets | 6.10% | 5.71% | +0.39% | 80th top |
| Cost of Funds | 2.81% | 2.03% | +0.78% | 11th bottom |
| Net Interest Spread | 3.28% | 3.18% | +0.10% | 65th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.85% | 0.96% | +0.89% | 12th bottom |
| NPA / Total Assets | 1.43% | 0.75% | +0.68% | 14th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.05% | 0.31% | -0.26% | 40th below |
| ACL / Total Loans | 0.97% | 1.25% | -0.28% | 26th below |
| ACL / NPLs (Coverage) | 52.27% | 699.56% | -647.29% | 10th bottom |
| Texas Ratio | 14.38% | 7.15% | +7.23% | 12th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 221.41% | 815.31% | -593.90% | 60th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 13.50% | 17.41% | -3.91% | 50th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 13.50% | 17.45% | -3.95% | 50th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 14.75% | 18.50% | -3.75% | 52nd above |
| Leverage Ratio | 9.63% | 11.60% | -1.97% | 26th below |
| Equity / Assets | 9.20% | 11.33% | -2.13% | 25th below |
| TCE / Tangible Assets | 9.20% | 10.65% | -1.45% | 36th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit Behind the peer average, ahead of the median peer. | 87.32% | 86.35% | +0.97% | 52nd above |
| Core Deposit Ratio | 88.54% | 85.55% | +2.99% | 50th above |
| Uninsured Deposit Ratio | 18.92% | 32.72% | -13.80% | 86th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.63% | 10.47% | -11.10% | 14th bottom |
| Loan Growth (Y/Y) | -6.64% | 8.01% | -14.65% | 4th bottom |
| Deposit Growth (Y/Y) | -0.56% | 7.99% | -8.55% | 16th bottom |
See Presidential Bank, FSB's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Presidential Bank, FSB, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Presidential Bank, FSB profile, how to read a UBPR, or how this data updates.