Total Assets
$1.1B
Total balance-sheet footings
FDIC Cert #32363 · Bethesda, Maryland · Est. 1985
Presidential Bank, FSB - FDIC Bank Health Profile
A community-scale look at Presidential Bank, FSB's own numbers, pulled straight from its quarterly FDIC Call Report.
- $1.1B
- Total assets
- C
- Health grade · Fair
- 0.44%
- Return on assets
- 13.0%
- Tier 1 capital
Data updated July 2026
The verdict
Presidential Bank, FSB earns a PlainBankData health grade of C (58/100), with well-capitalized at 12.96% Tier 1, 0.44% ROA, 88% efficiency ratio.
- #994
- largest of 4,313 FDIC banks by assets
- 77th
- percentile by asset size, nationally
- 12.96%
- Tier 1 ratio - above the 10% well-capitalized line
- 14th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Presidential Bank, FSB's 58/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Presidential Bank, FSB's composite health score
Tier 1 Capital Ratio (12.96%) 35/40
Return on Assets (ROA) (0.44%) 7/25
Texas Ratio (12.34%) 16/20
Efficiency Ratio (87.84%) 0/15
58 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$945M
Customer-funded liabilities
Net Loans
$779M
Outstanding loan book
Net Income
$4M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Presidential Bank, FSB ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Presidential Bank, FSB's score of 58/100 falls in the highlighted band.
Presidential Bank, FSB's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Presidential Bank, FSB's $1.1B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.96% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.96%
Texas Ratio
12.34%
Equity Capital
$91M
Profitability metrics
Return on Assets (ROA)
14th percentile nationally
0.44%
Return on Equity (ROE)
5.03%
Efficiency Ratio
87.84%
What the numbers say about Presidential Bank, FSB
Presidential Bank, FSB is an FDIC-insured institution (Certificate #32363) headquartered in Bethesda, Maryland, established in 1985. It holds $1.1B in total assets - 994th of 4,313 FDIC-insured banks, $945M in customer deposits, and $779M in net loans. Looking at capital strength, Tier 1 stands at 12.96%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 12.34%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of C (58/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Maryland, Presidential Bank, FSB ranks 9th of 28 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$59M
Interest Income
$31M
Non-Interest Income
$54M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Presidential Bank, FSB reports a Texas Ratio of 12.34% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
12.34% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Maryland by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Presidential Bank, FSB (FDIC Cert #32363) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Maryland
All Maryland banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| EagleBankBethesda | $10.4B | C | -1.20% |
| Forbright BankPotomac | $7.9B | B | 1.35% |
| Shore United Bank, National AssociationEaston | $6.3B | B | 1.08% |
| CFG BankLutherville | $5.7B | B | 1.43% |
| Capital Bank, National AssociationRockville | $3.5B | B | 1.51% |
| First United Bank & TrustOakland | $2.1B | A | 1.27% |
| Rosedale BankNottingham | $1.3B | B | 0.18% |
| Middletown Valley BankMiddletown | $1.1B | B | 0.90% |
Frequently asked questions
What is Presidential Bank, FSB's health grade?▼
Presidential Bank, FSB receives a health grade of C (58/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Presidential Bank, FSB?▼
Presidential Bank, FSB holds $1.1B in total assets and $945M in deposits, ranking 994th of 4,313 FDIC-insured banks by asset size. It is headquartered in Bethesda, Maryland.
Is my money safe at Presidential Bank, FSB?▼
Yes, deposits at Presidential Bank, FSB (Certificate #32363) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Presidential Bank, FSB's Tier 1 Capital Ratio?▼
Presidential Bank, FSB has a Tier 1 Capital Ratio of 12.96%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Presidential Bank, FSB?▼
Presidential Bank, FSB has a Texas Ratio of 12.34%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Presidential Bank, FSB?▼
Presidential Bank, FSB has an Efficiency Ratio of 87.84%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Presidential Bank, FSB's profile as a depositor or analyst.
- Presidential Bank, FSB's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Presidential Bank, FSB against other Maryland banks before moving funds. Maryland banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.