$1.02B
+6.9%y/y
Percentile by value3rd percentileby value
FDIC
ASSETPB
Presidential Bank, FSB
Bethesda, MarylandFDIC Cert #32363
OCCEstablished 198511 branches
Holding company: CLEVELAND FAMILY GENERATIONAL TR IRegulator: OCC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportPresidential Bank, FSB reported $1.02B in total assets. Deposits grew 7.09% over the prior year.
Return on assets was 0.13%, compared with an asset-peer median of 1.16%. The leverage ratio was 9.12%.
- Why is Efficiency Ratio above asset peers?
- Why is Total Assets below asset peers?
- Why is Noncurrent Loan Ratio above asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$908M
+7.1%y/y
Percentile by value11th percentileby value
FDIC
DEP$786M
+3.2%y/y
Percentile by value19th percentileby value
FDIC
LNLSNET0.13%
−16 bpsy/y
Peer standing4th percentile
FDIC
NETINC + ROA90.86%
+203 bpsy/y
Peer standing3rd percentile
FDIC
NONIX + NIM + NONII + EEFFR9.12%
−46 bpsy/y
Peer standing16th percentile
FDIC
RBC1AAJPercentiles compare this bank with 629 banks from $1 billion to $3 billion.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $885M | $778M |
| Q3 2021 | $893M | $788M |
| Q4 2021 | $887M | $785M |
| Q1 2022 | $888M | $788M |
| Q2 2022 | $868M | $761M |
| Q3 2022 | $818M | $712M |
| Q4 2022 | $800M | $696M |
| Q1 2023 | $819M | $656M |
| Q2 2023 | $846M | $671M |
| Q3 2023 | $865M | $676M |
| Q4 2023 | $932M | $737M |
| Q1 2024 | $963M | $736M |
| Q2 2024 | $988M | $695M |
| Q3 2024 | $1.02B | $762M |
| Q4 2024 | $974M | $798M |
| Q1 2025 | $956M | $848M |
| Q2 2025 | $1.02B | $902M |
| Q3 2025 | $1.04B | $927M |
| Q4 2025 | $1.06B | $945M |
| Q1 2026 | $1.02B | $908M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $16.5M |
| Investor CRE | $240M |
| Multifamily | $38.9M |
| Construction | $57.5M |
| 1–4 family | $376M |
| C&I | $21.2M |
| Agriculture | $0 |
| Other | $44.7M |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.13%4th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.47%Median 1.16%90th 2.03%Observations 629
ROE
FDIC
NETINC + ROE1.53%5th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 4.37%Median 11.64%90th 19.98%Observations 629
NIM
FDIC
NIM + NIMY3.24%25th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.81%Median 3.64%90th 4.58%Observations 630
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR90.86%3rd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 45.28%Median 61.40%90th 80.08%Observations 629
Deposits YoY
FDIC
DEP+7.09%65th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.50%Median +4.71%90th +17.76%Observations 624
Loans YoY
FDIC
LNLSNET+3.18%35th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −1.84%Median +5.89%90th +17.13%Observations 623
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR1.92%10th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.06%Median 0.52%90th 1.91%Observations 623
Leverage
FDIC
RBC1AAJ9.12%16th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.85%Median 10.50%90th 14.46%Observations 630
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.00%30th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.77%Median 2.61%90th 3.65%Observations 624
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC328%86th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 88%Median 225%90th 349%Observations 464
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.13%19th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.10%Median 0.95%90th 1.64%Observations 27
ROE
FDIC
NETINC + ROE1.53%15th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 0.59%Median 7.95%90th 13.78%Observations 27
NIM
FDIC
NIM + NIMY3.24%27th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.54%Median 3.73%90th 4.71%Observations 27
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR90.86%8th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 51.98%Median 63.54%90th 89.92%Observations 27
Deposits YoY
FDIC
DEP+7.09%81st percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.67%Median +0.94%90th +9.72%Observations 27
Loans YoY
FDIC
LNLSNET+3.18%38th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.01%Median +4.15%90th +13.29%Observations 27
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR1.92%19th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.05%Median 0.50%90th 2.27%Observations 27
Leverage
FDIC
RBC1AAJ9.12%12th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.07%Median 11.19%90th 17.92%Observations 27
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.00%27th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.78%Median 2.49%90th 3.53%Observations 27
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC328%89th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 68%Median 221%90th 328%Observations 20
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 11 branches
- Headquarters
- Bethesda, MD
FDIC
OFFDOMOpen the Maryland dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data