Presidential Bank, FSB: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Brokered deposits to total deposits: 2.49 percentage points higher than in Q1 2026, at 5.24%. Within Maryland, Presidential Bank, FSB is 17th of 27 on return on assets, 0.87% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Presidential Bank, FSB sits 0.40 points lower, at 0.87% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.50% |
| Tier 1 risk-based capital ratio | 13.50% |
| Total risk-based capital ratio | 14.75% |
| Tier 1 leverage ratio | 9.63% |
| Equity capital to assets | 9.20% |
| Tangible equity to tangible assets | 9.20% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.85% |
| Non-performing assets ratio | 1.43% |
| Net charge-off ratio | 0.05% |
| Texas ratio | 14.38% |
| Allowance for credit losses to loans | 0.97% |
| Reserve coverage of non-performing loans | 52.27% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.87% |
| Return on equity | 9.42% |
| Net interest margin | 3.53% |
| Efficiency ratio | 85.39% |
| Yield on earning assets | 6.10% |
| Cost of funds | 2.81% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.32% |
| Core deposits to total deposits | 88.54% |
| Brokered deposits to total deposits | 5.24% |
| Deposits to assets | 88.65% |
| Securities to assets | 5.31% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.77% | 12.77% | 14.03% | 10.43% | -1.11% |
| Q4 2023 | 12.05% | 12.05% | 13.30% | 10.02% | -0.28% |
| Q1 2024 | 11.47% | 11.47% | 12.72% | 9.10% | -0.39% |
| Q2 2024 | 11.43% | 11.43% | 12.68% | 9.13% | 0.15% |
| Q3 2024 | 11.95% | 11.95% | 13.14% | 9.13% | 0.46% |
| Q4 2024 | 12.46% | 12.46% | 13.66% | 9.38% | 0.40% |
| Q1 2025 | 12.53% | 12.53% | 13.77% | 9.58% | 0.30% |
| Q2 2025 | 12.34% | 12.34% | 13.47% | 9.47% | 0.97% |
| Q3 2025 | 12.63% | 12.63% | 13.79% | 9.04% | 0.15% |
| Q4 2025 | 12.96% | 12.96% | 14.15% | 8.88% | 0.39% |
| Q1 2026 | 12.87% | 12.87% | 14.12% | 9.12% | 0.14% |
| Q2 2026 | 13.50% | 13.50% | 14.75% | 9.63% | 0.87% |
Presidential Bank, FSB vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Presidential Bank, FSB, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)