Presidential Bank, FSB: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Compared with Q1 2026, Total interest expense fell 6.4% in Q2 2026 to $6.2M, the biggest move on this page. Within Maryland, Presidential Bank, FSB is 16th of 27 on net interest margin, 3.53% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Presidential Bank, FSB sits 0.18 points lower, at 3.53% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.10% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.81% |
| Cost of interest-bearing deposits | 2.82% |
| Cost of interest-bearing liabilities | 2.82% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.53% |
| Yield to cost spread | 3.28% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $13.0M |
| Total interest expense | $6.2M |
| Interest expense on deposits | $6.2M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin |
|---|---|---|---|
| Q3 2023 | 5.93% | 2.81% | 3.36% |
| Q4 2023 | 6.15% | 3.17% | 3.22% |
| Q1 2024 | 6.29% | 3.36% | 3.18% |
| Q2 2024 | 6.35% | 3.53% | 3.08% |
| Q3 2024 | 6.43% | 3.63% | 3.07% |
| Q4 2024 | 6.40% | 3.46% | 3.23% |
| Q1 2025 | 6.19% | 3.21% | 3.24% |
| Q2 2025 | 6.28% | 3.25% | 3.29% |
| Q3 2025 | 6.27% | 3.39% | 3.15% |
| Q4 2025 | 6.06% | 3.27% | 3.05% |
| Q1 2026 | 5.90% | 2.89% | 3.24% |
| Q2 2026 | 6.10% | 2.81% | 3.53% |
Presidential Bank, FSB yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Presidential Bank, FSB, freeSource: Call Report Schedules RI and RC-K, 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)