Presidential Bank, FSB: how it compares with its peers
Against 10 MD banks with half to twice its assets, Presidential Bank, FSB's strongest measure in Q2 2026 is return on assets (0.49% vs. a 1.05% peer median). Its weakest relative measure is efficiency ratio (87.91% vs. 60.26%).
| Measure | Presidential Bank, FSB | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.49% | 1.05% | Bottom third Ahead of 20% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.35% | 3.83% | Bottom third Ahead of 20% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 87.91% | 60.26% | Bottom third Ahead of 0% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $2.9M | $8.3M | Bottom third Ahead of 0% of peers |
| Loans to deposits Net loans and leases over total deposits. | 86.48% | 85.74% | Context |
What it means for lending operations
Its efficiency ratio of 87.91% is above the 60.26% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Calvin B. Taylor Banking Company of Berlin, Maryland Berlin, MD · $1.02B
- Farmers and Merchants Bank Upperco, MD · $874M
- BayVanguard Bank Baltimore, MD · $869M
- Hebron Savings Bank Hebron, MD · $839M
- Middletown Valley Bank Middletown, MD · $1.19B
- Harford Bank Aberdeen, MD · $777M
Questions about Presidential Bank, FSB
How big is Presidential Bank, FSB?
Presidential Bank, FSB, established in 1985, is headquartered in Bethesda, MD. It reported $1.01B in total assets in its Q2 2026 FDIC call report and operates 11 offices.
What is Presidential Bank, FSB's return on assets?
0.49% annualized in Q2 2026, against a 1.05% median for 10 MD banks with half to twice its assets, ahead of 20% of them.
What is Presidential Bank, FSB's efficiency ratio?
87.91% in Q2 2026: it spent about 88 cents in noninterest expense for each dollar of revenue. The peer median is 60.26%, and lower is better.
Is Presidential Bank, FSB growing its loans?
Net loans shrank 6.7% over the year to Q2 2026, while deposits shrank 0.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MD banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Maryland bank ranked.