Presidential Bank, FSB
Total assets
$1.01B
▼ -0.6% YoY
Deposits
$897.1M
▼ -0.6% YoY
Loans
$775.8M
▼ -6.7% YoY
Offices
11
CLEVELAND FAMILY GENERATIONAL TR I
ROA (annualized)
0.49%
peers 1.26%
ROE (annualized)
5.49%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | Presidential Bank, FSB | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.6% | +5.5% | -6.1 pts |
| Deposit growth (YoY) | -0.6% | +5.1% | -5.6 pts |
| Loan growth (YoY) | -6.7% | +5.9% | -12.6 pts |
| ROA | 0.49% | 1.26% | -0.8 pts |
| ROE | 5.5% | 12.2% | -6.7 pts |
ROA ranks in the 8th percentile of its peer group · Q2 2026
Profile
- Established
- 1985
- Charter
- OCC
- Primary regulator
- OCC
- Holding company
- CLEVELAND FAMILY GENERATIONAL TR I
- Specialization
- Commercial Lending Specialization
- Address
- 4520 East West Hwy, Bethesda, MD, 20814
- County
- Montgomery
- Metro area
- Washington-Arlington-Alexandria, DC-VA-MD-WV
- Offices
- 11
- FDIC cert #
- 32363
- RSSD ID
- 538473
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.01B | $897.1M | $775.8M | $93.1M | $2.5M | 0.49% | 3.35% | 1.52% |
| Q1 2026 | $1.02B | $907.9M | $786.4M | $91.0M | $349K | 0.13% | 3.24% | 1.49% |
| Q4 2025 | $1.06B | $944.9M | $778.8M | $91.0M | $4.5M | 0.44% | 3.17% | 1.38% |
| Q3 2025 | $1.04B | $927.1M | $792.4M | $90.3M | $3.4M | 0.46% | 3.20% | 1.10% |
| Q2 2025 | $1.02B | $902.2M | $831.7M | $89.6M | $3.1M | 0.62% | 3.20% | 0.92% |
| Q1 2025 | $956.1M | $847.7M | $762.1M | $87.3M | $701K | 0.29% | 3.17% | 0.98% |
| Q4 2024 | $974.2M | $798.4M | $761.9M | $85.9M | $1.5M | 0.15% | 3.09% | 0.75% |
| Q3 2024 | $1.02B | $762.4M | $786.4M | $85.9M | $544K | 0.07% | 3.06% | 0.61% |
Loan mix (Q2 2026): real estate $723.9M · commercial $17.5M · consumer $41.5M · securities $53.5M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Presidential Bank, FSB | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.49% | 1.26% | 8th | |
Return on equity Annualized net income ÷ equity or net worth | 5.5% | 12.2% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.35% | 3.70% | 29th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.9% | 59.0% | 98th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Presidential Bank, FSB | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Presidential Bank, FSB | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Presidential Bank, FSB | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Presidential Bank, FSB | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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