Presidential Bank, FSB
Bethesda, MD · Cert 32363 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Cleveland Family Generational Tr I
State savings bank · OCC · 11 branches
Q2 2026
$1.0BAssets
$783.4MLoans
$897.1MDeposits
$93.1MEquity
Executive Summary
- Strongest standing: total risk-based capital ratio outperforms 68% of banks $1B-$10B in assets operating regionally (rank 56 of 176).
- Widest gap: efficiency ratio trails 97% of banks $1B-$10B in assets operating regionally (rank 172 of 176).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.50%
Rank 165 of 176
Net Interest Margin
3.33%
Rank 125 of 176
Efficiency Ratio
87.91%
Rank 172 of 176
Equity / Assets
9.20%
Rank 130 of 176
Non-interest income vs. expense
Unfavorable gap of $24.8M · efficiency ratio beats 3% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.50% | 0.93% | 1.26% | 1.54% | Beats 6% | 165 / 176 | | |
| Return on Equity | 5.41% | 9.26% | 11.89% | 14.46% | Beats 7% | 163 / 176 | | |
| Net Interest Margin | 3.33% | 3.25% | 3.59% | 3.93% | Beats 29% | 125 / 176 | | |
| Efficiency Ratio | 87.91% | 52.79% | 59.55% | 67.66% | Beats 3% | 172 / 176 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.64% | 0.30% | 0.64% | 1.32% | Beats 14% | 153 / 176 | | |
| Net Charge-Offs / Loans | 0.08% | 0.01% | 0.04% | 0.10% | Beats 32% | 120 / 176 | | |
| Capital |
| Tier 1 Capital Ratio | 13.50% | 11.15% | 12.72% | 14.15% | Beats 65% | 61 / 176 | | |
| Total Risk-Based Capital Ratio | 14.75% | 11.81% | 13.63% | 15.33% | Beats 68% | 56 / 176 | | |
| Equity / Assets | 9.20% | 9.16% | 10.35% | 11.80% | Beats 26% | 130 / 176 | | |
| Liquidity & Funding |
| Loans / Deposits | 87.32% | 80.94% | 89.73% | 97.21% | 41st pctl | 103 / 176 | | |
| Loans / Assets | 77.41% | 69.25% | 75.12% | 80.82% | 60th pctl | 71 / 176 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |