Presidential Bank, FSB: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Presidential Bank, FSB is an FDIC-insured commercial bank. As of Q2 2026, the bank held approximately $1.0B in total assets and $897M in deposits. Returns are in line with industry norms at 0.87% ROA and 9.42% ROE; net interest margin is 3.53%. Regulatory capital is solid, 13.50% CET1 and 14.75% total risk-based capital ratio. Asset quality merits closer attention with NPLs at 1.85%. Its footprint covers 11 branches concentrated in Maryland.
As of June 30, 2026, Presidential Bank, FSB reported a CET1 capital ratio of 13.50%, a return on assets of 0.87%, a nonperforming-loan ratio of 1.85%, a Texas ratio of 14.38%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 4520 East West Hwy, Bethesda, MD 20814
- County
- Montgomery
- Metro Area
- Washington-Arlington-Alexandria, DC-Va-MD-WV
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- Limited trust powers granted
- Call Report form
- FFIEC 051
- Established
- April 15, 1985
- Former names
- Presidentialsavings Bank, FSB (1988-2000)
- Offices
- 11 domestic
- Employees (FTE)
- 354
- Domestic deposits
- $897.1M
- Allowance for credit losses
- $7.6M
- Net charge-offs (YTD)
- $355K
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 32363
- Fed RSSD
- 538473
- Website
- www.presidential.com →
- Parent Holding Company
- PRESIDENTIAL HOLDINGS, INC. (RSSD 3917006)
- Ultimate Parent
- A. BRUCE CLEVELAND REVOCABLE LIVING TRUST (RSSD 3917275)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Presidential Bank, FSB terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Presidential Bank, FSB, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Presidential Bank, FSB rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.50% | 0.87% | 1.85% | 14.38% | 3.53% |
| Q1 2026 | 12.87% | 0.14% | 1.82% | 14.58% | 3.24% |
| Q4 2025 | 12.96% | 0.39% | 1.76% | 14.09% | 3.05% |
| Q3 2025 | 12.63% | 0.15% | 1.36% | 11.19% | 3.15% |
| Q2 2025 | 12.34% | 0.97% | 1.35% | 11.71% | 3.29% |
| Q1 2025 | 12.53% | 0.30% | 1.50% | 12.16% | 3.24% |
| Q4 2024 | 12.46% | 0.40% | 1.23% | 10.13% | 3.23% |
| Q3 2024 | 11.95% | 0.46% | 0.77% | 6.57% | 3.07% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 11 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Www.Presidential.Com Branch | Bethesda , MD | 20814 | $417.4M |
| Presidential Bank, FSB (main office) | Bethesda , MD | 20814 | $153.4M |
| Rockville Branch | Rockville , MD | 20852 | $81.1M |
| Leesburg Branch | Leesburg , VA | 20175 | $46.2M |
| 1660 K Street Branch | Washington , DC | 20006 | $40.9M |
| Mclean Branch | Mclean , VA | 22101 | $34.3M |
| Reston Branch | Reston , VA | 20190 | $31.2M |
| Tysons Branch | Vienna , VA | 22182 | $30.4M |
| Rosslyn Branch | Arlington , VA | 22209 | $23.4M |
| Arlington Branch | Arlington , VA | 22203 | $19.6M |
| Frederick Branch | Frederick , MD | 21701 | $19.2M |
Regulatory record
What the public regulatory sources show for Presidential Bank, FSB, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 2 against the institution (OCC)
- June 13, 2012, OCC: Civil Money Penalty (CMP): Presidential Bank, FSB
- January 20, 2012, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Presidential Bank, FSB
- Period: Most recent institution action June 13, 2012. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in MD, rank 30 of 71 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 3,991 applications, 3,063 loans originated, $1.16B originated, across 49 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows Presidential Bank, FSB’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare Presidential Bank, FSB with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
Frequently asked about Presidential Bank, FSB
What are Presidential Bank, FSB's total assets?
As of the Q2 2026 filing, Presidential Bank, FSB reported total assets of $1.01 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Presidential Bank, FSB headquartered?
Presidential Bank, FSB is headquartered in Bethesda, MD, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Presidential Bank, FSB founded?
Presidential Bank, FSB was established in 1985, per the FDIC institution directory.
Is Presidential Bank, FSB FDIC-insured?
Yes. Presidential Bank, FSB is an FDIC-insured commercial bank (FDIC Certificate #32363). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Presidential Bank, FSB?
Presidential Bank, FSB's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Presidential Bank, FSB's CET1 capital ratio?
Presidential Bank, FSB reported a Common Equity Tier 1 (CET1) capital ratio of 13.50% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Presidential Bank, FSB operate?
Presidential Bank, FSB operates 11 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Presidential Bank, FSB's Texas Ratio?
Presidential Bank, FSB's Texas Ratio is 14.38% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Presidential Bank, FSB previously called?
The charter now named Presidential Bank, FSB has also operated as Presidentialsavings Bank, FSB (1988-2000), per FDIC structure-change records.
Go deeper on Presidential Bank, FSB.
Unlock the full terminal: 25 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock Presidential Bank, FSB, freeFree account