Presidential Bank, FSB (FDIC certificate #32363) is based in Bethesda, Maryland. Its Q2 2026 call report shows $1.0B in total assets and $897.1M in deposits and 11 offices across 3 states.
Presidential Bank, FSB has a TellerScore of 51 out of 100 (below average) based on Q2 2026 data — higher than only 8% of its 897 banks with $1 billion – $10 billion. Among 27 banks headquartered in Maryland, it ranks 26th. Problem-loan coverage contributes the most (74/100, 12.8%); earnings contributes the least (40/100, 0.49%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 4 points (55 → 51), mostly because the loan quality component weakened by 18 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 50 |
| Q3 2024 | 53 |
| Q4 2024 | 54 |
| Q1 2025 | 53 |
| Q2 2025 | 55 |
| Q3 2025 | 54 |
| Q4 2025 | 50 |
| Q1 2026 | 47 |
| Q2 2026 | 51 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.13% |
| Q3 2024 | 9.13% |
| Q4 2024 | 9.38% |
| Q1 2025 | 9.58% |
| Q2 2025 | 9.47% |
| Q3 2025 | 9.04% |
| Q4 2025 | 8.88% |
| Q1 2026 | 9.12% |
| Q2 2026 | 9.63% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.76% |
| Q3 2024 | 0.77% |
| Q4 2024 | 0.95% |
| Q1 2025 | 1.22% |
| Q2 2025 | 1.11% |
| Q3 2025 | 1.12% |
| Q4 2025 | 1.54% |
| Q1 2026 | 1.60% |
| Q2 2026 | 1.64% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.12% |
| Q3 2024 | 0.07% |
| Q4 2024 | 0.15% |
| Q1 2025 | 0.29% |
| Q2 2025 | 0.62% |
| Q3 2025 | 0.46% |
| Q4 2025 | 0.44% |
| Q1 2026 | 0.13% |
| Q2 2026 | 0.49% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 51 | $1.0B | 9.63% | 1.64% | 0.49% | 86.5% |
| Q1 2026 | 47 | $1.0B | 9.12% | 1.60% | 0.13% | 86.6% |
| Q4 2025 | 50 | $1.1B | 8.88% | 1.54% | 0.44% | 82.4% |
| Q3 2025 | 54 | $1.0B | 9.04% | 1.12% | 0.46% | 85.5% |
| Q2 2025 | 55 | $1.0B | 9.47% | 1.11% | 0.62% | 92.2% |
| Q1 2025 | 53 | $956.1M | 9.58% | 1.22% | 0.29% | 89.9% |
| Q4 2024 | 54 | $974.2M | 9.38% | 0.95% | 0.15% | 95.4% |
| Q3 2024 | 53 | $1.0B | 9.13% | 0.77% | 0.07% | 103.1% |
| Q2 2024 | 50 | $988.5M | 9.13% | 0.76% | -0.12% | 116.4% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Maryland
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Calvin B. Taylor Banking Company of Berlin, MarylandBank Berlin, MD | 81 out of 100, Strong | $1.0B | 13.6% | 0.83% | vs |
| Middletown Valley BankBank Middletown, MD | 63 out of 100, Moderate | $1.2B | 9.2% | 0.12% | vs |
| Rosedale BankBank Nottingham, MD | 78 out of 100, Strong | $1.4B | 18.6% | 0.52% | vs |
| First United Bank & TrustBank Oakland, MD | 75 out of 100, Strong | $2.1B | 11.6% | 0.31% | vs |
| Capital Bank, National AssociationBank Rockville, MD | 46 out of 100, Below average | $3.8B | 9.0% | 2.05% | vs |
| CFG BankBank Lutherville, MD | 51 out of 100, Below average | $6.1B | 11.3% | 3.86% | vs |
Deposit insurance
Is my money safe at Presidential Bank, FSB?
Yes. Presidential Bank, FSB is an FDIC-insured institution (FDIC certificate #32363). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 18.9% of deposits ($169.7M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.63%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.75% (benchmark: 10%).
11 locations
Branches
Presidential Bank, FSB lists 10 offices in 9 cities across 3 states. Most locations:
- Arlington, VA (2)
- Bethesda, MD (1)
- Frederick, MD (1)
- Leesburg, VA (1)
- Mclean, VA (1)
- Reston, VA (1)
- Rockville, MD (1)
- Vienna, VA (1)
- Washington, DC (1)
HMDA 2025
Mortgage lending
In 2025, Presidential Bank, FSB reported 3,948 home-loan applications under HMDA (LEI 54930078TNN7GKZ7NU89): 3,063 originated ($1,161,675,000 total), 229 denied, and 624 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.9%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Presidential Bank, FSB
- Former names
- Presidentialsavings Bank, FSB; Presidential Savings Association; Presidential Savings Bank FSB
- Type
- Savings bank
- FDIC certificate #
- 32363
- RSSD ID
- 538473
- Primary regulator
- OCC
- Holding company
- Cleveland Family Generational Tr I
- Established
- April 15, 1985
- Headquarters
- 4520 East West Hwy, Bethesda, MD 20814
- Website
- www.presidential.com
- Employees
- 354
Quick answers
Presidential Bank, FSB: common questions
Is Presidential Bank, FSB FDIC insured?
Yes. Presidential Bank, FSB is an FDIC-insured institution (FDIC certificate #32363). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Presidential Bank, FSB's TellerScore?
51 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Presidential Bank, FSB ever failed?
There is no failure record for FDIC certificate #32363 in the FDIC failed bank list.
How many branches does Presidential Bank, FSB have?
11 offices as of the latest FDIC data, in 3 states.
Nearby
Highest-scoring banks and credit unions with branches near Bethesda
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Mount Pleasant Baptist Church Federal Credit UnionCredit union Alexandria, VA | 100 out of 100, Very strong | $370K | 17.4% | 0.00% | vs |
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| Lee Federal Credit UnionCredit union Washington, DC | 99 out of 100, Very strong | $5.5M | 50.7% | 0.00% | vs |
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| Federation of Greene County Empl. Federal Credit UnionCredit union Eutaw, AL | 99 out of 100, Very strong | $2.2M | 23.1% | 0.08% | vs |
| Christiansted Federal Credit UnionCredit union Christiansted, VI | 98 out of 100, Very strong | $34.0M | 20.6% | 0.23% | vs |