Bank Safety Analysis
Is Presidential Bank, FSB Safe? Bethesda, Maryland
Based on its Q3 2026 call report, Presidential Bank, FSB meets every capital ratio test for well capitalized, its Texas ratio is 12.12%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is Presidential Bank, FSB safe?
On its Q3 2026 call report, Presidential Bank, FSB's CET1 ratio is 13.62%, above the 6.5% well-capitalized threshold.
- CET1 ratio (Q3 2026): 13.62%
- Tier 1 leverage ratio (Q3 2026): 9.62%
- Texas ratio (Q3 2026): 12.12%
- Noncurrent loans ratio (Q3 2026): 1.54%
Presidential Bank, FSB is an FDIC-insured savings institution (FDIC Certificate #32363). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report Presidential Bank, FSB (FDIC Certificate #32363) filed for the quarter ended September 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
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Presidential Bank, FSB is outside the pass range on 1 of 5 safety dimensions: operating efficiency. Capital and leverage are above their regulatory minimums. The failed band is a BankRegReports band, not a supervisory threshold. 1 risk screen is flagged: commercial real estate to capital.
The standout move of Q3 2026 was in return on assets: 0.72 percentage points lower than in Q2 2026, at 0.16%. Presidential Bank, FSB ranks 11th of 19 Maryland banks on CET1 ratio, in the lower half at 13.62% (Q3 2026). At 13.62%, Presidential Bank, FSB's CET1 ratio is close to the 13.60% median for banks in the $1B-10B asset tier (Q3 2026).
From Q4 2023 to Q3 2026, Presidential Bank, FSB's CET1 ratio ranged between 11.43% (Q2 2024) and 13.62% (Q3 2026) and its Texas ratio ranged between 6.57% (Q3 2024) and 12.87% (Q1 2026). Between Q3 2025 and Q3 2026, Presidential Bank, FSB's CET1 ratio rose from 12.63% to 13.62%, nonperforming loan ratio (nonaccrual plus 90+ days past due) rose from 1.12% to 1.54%, Texas ratio rose from 9.16% to 12.12% and return on assets rose from 0.15% to 0.16%.
Presidential Bank, FSB ranks as the 10th largest of the 27 banks based in Maryland, by total assets at Q3 2026. 1-4 family residential loans are its largest loan category, $349.9M of $758.3M in total loans on its September 30, 2026 call report. Against the 941 banks with $1B to $10B in assets for Q3 2026, Presidential Bank, FSB's CET1 ratio of 13.62% is above the 13.60% median, Tier 1 leverage ratio of 9.62% is below the 10.54% median, nonperforming loans ratio of 1.54% is above the 0.54% median, Texas ratio of 12.12% is above the 3.95% median, and efficiency ratio of 90.48% is above the 58.15% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
Presidential Bank, FSB's composite risk score is 0.50 out of 100, on the model's 1-year horizon. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. How the failure model was trained and tested.
The risk tier comes from the composite score; the 12-month figure rounds to zero for this bank, so it is not shown beside a tier above Low.
How does Presidential Bank, FSB score on capital, credit and costs?
Peer cohort: $1B to $10B (896 banks) · Industry averages as of Q3 2026.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 13.60%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 10.54%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 0.54%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 3.95%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 58.15%.
Does Presidential Bank, FSB trip any risk screens?
Latest filing (Q3 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | 13.62% | Within range |
| Texas ratio BankRegReports band | 12.12% | Within range |
| Nonperforming loan ratio BankRegReports band | 1.54% | Within range |
| Uninsured deposit share BankRegReports band | 18.73% | Within range |
| Loan-to-deposit ratio BankRegReports band | 86.85% | Within range |
| Commercial real estate to capital supervisory threshold | 327.77% | Flagged |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.37% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q3 2026 | 13.62% |
| Q2 2026 | 13.50% |
| Q1 2026 | 12.87% |
| Q4 2025 | 12.96% |
| Q3 2025 | 12.63% |
| Q2 2025 | 12.34% |
| Q1 2025 | 12.53% |
| Q4 2024 | 12.46% |
| Q3 2024 | 11.95% |
| Q2 2024 | 11.43% |
| Q1 2024 | 11.47% |
| Q4 2023 | 12.05% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q3 2026 | 12.12% |
| Q2 2026 | 12.75% |
| Q1 2026 | 12.87% |
| Q4 2025 | 12.34% |
| Q3 2025 | 9.16% |
| Q2 2025 | 9.63% |
| Q1 2025 | 9.91% |
| Q4 2024 | 7.80% |
| Q3 2024 | 6.57% |
| Q2 2024 | 7.78% |
| Q1 2024 | 7.84% |
| Q4 2023 | 7.87% |
Loans by type, Q3 2026
- 1-4 family residential loans: $349.9M
- Non-owner-occupied commercial real estate loans: $233.0M
- Construction and land development loans: $70.0M
- Auto loans: $37.5M
- Multifamily loans: $33.6M
- Owner-occupied commercial real estate loans: $15.8M
- Commercial and industrial loans: $15.6M
- Other consumer loans: $2.5M
How have Presidential Bank, FSB's safety ratios changed?
| Quarter end | Total assets | CET1 | Leverage | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|---|
| Sep 30, 2026 | $1.01B | 13.62% | 9.62% | 1.54% | 12.12% | 90.48% |
| Jun 30, 2026 | $1.01B | 13.50% | 9.63% | 1.64% | 12.75% | 85.39% |
| Mar 31, 2026 | $1.02B | 12.87% | 9.12% | 1.60% | 12.87% | 90.86% |
| Dec 31, 2025 | $1.06B | 12.96% | 8.88% | 1.54% | 12.34% | 89.66% |
| Sep 30, 2025 | $1.04B | 12.63% | 9.04% | 1.12% | 9.16% | 92.62% |
| Jun 30, 2025 | $1.02B | 12.34% | 9.47% | 1.11% | 9.63% | 81.26% |
| Mar 31, 2025 | $956.1M | 12.53% | 9.58% | 1.22% | 9.91% | 88.82% |
| Dec 31, 2024 | $974.2M | 12.46% | 9.38% | 0.95% | 7.80% | 93.12% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Presidential Bank, FSB FDIC insured?
Yes. Presidential Bank, FSB is an FDIC-insured savings institution (FDIC Certificate #32363). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is Presidential Bank, FSB well capitalized?
On its Q3 2026 call report, Presidential Bank, FSB's CET1 ratio is 13.62%, above the 6.5% well-capitalized threshold. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the OCC, applies.
What are Presidential Bank, FSB's key safety ratios?
For Q3 2026, Presidential Bank, FSB reports CET1 13.62%, leverage 9.62%, Texas ratio 12.12%, noncurrent loans 1.54%. Its Texas ratio compares with the 3.95% median for the 941 banks with $1B to $10B in assets.
What happens to my deposits if Presidential Bank, FSB fails?
For Q3 2026, Presidential Bank, FSB reported $873.0M in total deposits, 18.73% of them estimated as uninsured. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Where does this data come from?
Not investment advice. See the full Presidential Bank, FSB profile.
How we score this
Capital categories follow Prompt Corrective Action (12 CFR 324.403): well capitalized at a CET1 ratio of 6.5%, Tier 1 risk-based 8%, total risk-based 10% and Tier 1 leverage 5%; adequately capitalized at 4.5%, 6%, 8% and 4%. A community bank may elect the community bank leverage ratio instead.
Presidential Bank, FSB fails or is near these bands: Nonperforming Loans (NPL) Ratio, pass < 1.5% and fail > 3.0%; Efficiency Ratio, pass ≤ 75% (lower is better) and fail ≥ 90%. Every ratio's definition, bands and risk screen.
Not a credit rating. Methodology.
Regulator records: FDIC BankFind (cert 32363) · FFIEC NIC profile (RSSD 538473)
Explore: Full Presidential Bank, FSB profile · Other banks in MD · Metric glossary · How the call report works
Ratio definitions: loan to deposit ratio, net interest margin, efficiency ratio, CET1 ratio, tier 1 capital and PPNR.