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Presidential Bank, FSB
Bethesda, MD · FDIC Certificate #32363 · Chartered 04/1
Total assets
$1.01B
Total deposits
$897.14M
Total equity
$93.06M
Net loans
$775.82M
Branches (offices)
11
Net income (YTD)
$2.52M
Rank: #1,034 of 4,213 U.S. banks by assets · #10 of 27 in Maryland. Assets changed -0.6% and deposits -0.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.49% |
| Return on equity | 5.49% |
| Net interest margin (YTD) | 3.35% |
| Equity to assets | 9.20% |
| Tier 1 leverage ratio | 9.63% |
| Uninsured deposits (share of deposits) | 18.9% |
| Noncurrent loans (share of loans) | 1.64% |
| Net charge-offs (share of loans) | 0.09% |
| Loans to deposits | 86.5% |
| Real estate loans (share of loans) | 93.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $723.92M | 93.3% | |
| Commercial & industrial | $17.48M | 2.3% | |
| Consumer / individual | $41.46M | 5.3% | |
| Construction & development | $63.76M | 8.2% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $867.94M | $761.16M | $1.18M | $89.40M |
| Jun 2023 | $846.09M | $670.55M | -$974.00K | $87.34M |
| Jun 2024 | $988.49M | $694.90M | -$565.00K | $83.89M |
| Jun 2025 | $1.02B | $902.17M | $3.06M | $89.64M |
| Jun 2026 | $1.01B | $897.14M | $2.52M | $93.06M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Maryland | $671.15M | 4 |
| Virginia | $185.14M | 6 |
| District of Columbia | $40.85M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $897.14M.
Similar-sized banks
First Metro Bank ($1.01B) · The Port Washington State Bank ($1.01B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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