BlastPoint's Banking Scorecard
Presidential Bank, FSB
Designations: ✓ Community bank
Bethesda, MD
11 branches across VA · MD · DC
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 10 in MD.
- Deposits -0.6% year over year ($897.1M on the books).
- Delinquency rate 1.65%.
- Return on assets 0.49%.
- Efficiency ratio 87.91% vs a 59.73% peer average.
- Loan-to-deposit ratio 86.48% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Presidential Bank, FSB has 1 strength but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 41.0% in tier
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 4.9% in tier
- - Efficiency Drag: Bottom 31.7% in tier
- - Return on Assets 0.90% below tier average
- - Non-Interest-Bearing Deposit Share 18.44% below tier average
- - Net Interest Margin 0.52% below tier average
- - Delinquency Rate 0.79% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.0B
-0.6% YoY
-1.0% QoQ
|
-$1.8B |
$2.8B
-0.6% YoY
|
$1.8B
+4.0% YoY
|
$6.3B
+7.7% YoY
|
Bottom 1.2% in tier |
| Total Loans ? |
$775.8M
-6.7% YoY
-1.3% QoQ
|
-$1.2B |
$2.0B
-0.3% YoY
|
$1.3B
+3.8% YoY
|
$3.2B
+9.4% YoY
|
Bottom 12.3% in tier |
| Total Deposits ? |
$897.1M
-0.6% YoY
-1.2% QoQ
|
-$1.4B |
$2.3B
-0.5% YoY
|
$1.6B
+4.1% YoY
|
$4.9B
+7.3% YoY
|
Bottom 7.9% in tier |
| Return on Assets ? |
0.49%
-21.7% YoY
+263.8% QoQ
|
-0.90% |
1.39%
+17.0% YoY
|
0.92%
+12.6% YoY
|
1.30%
+12.1% YoY
|
Bottom 7.5% in tier |
| Net Interest Margin ? |
3.35%
+4.7% YoY
+3.7% QoQ
|
-0.52% |
3.87%
+6.2% YoY
|
3.72%
+5.0% YoY
|
3.95%
+4.9% YoY
|
28% |
| Efficiency Ratio ? |
87.91%
+3.8% YoY
-3.2% QoQ
|
+28.19% |
59.73%
-12.6% YoY
|
67.38%
-3.5% YoY
|
70.05%
+2.5% YoY
|
Bottom 2.6% in tier |
| Delinquency Rate ? |
1.65%
+47.2% YoY
+2.2% QoQ
|
+0.79% |
0.87%
+11.7% YoY
|
1.07%
+9.6% YoY
|
0.98%
+16.3% YoY
|
Bottom 13.2% in tier |
| Loan-to-Deposit Ratio ? |
86.48%
-6.2% YoY
-0.2% QoQ
|
+1.44% |
85.04%
-0.1% YoY
|
87.38%
+1.5% YoY
|
79.03%
+2.3% YoY
|
52% |
| Non-Interest-Bearing Deposit Share ? |
2.83%
+0.4% YoY
-13.0% QoQ
|
-18.44% |
21.27%
-1.5% YoY
|
20.47%
+3.3% YoY
|
21.98%
-0.6% YoY
|
Bottom 2.6% in tier |
| Nonperforming Asset Ratio ? |
1.52%
+65.1% YoY
+1.7% QoQ
|
+0.84% |
0.67%
+11.7% YoY
|
0.90%
+8.0% YoY
|
0.69%
+15.8% YoY
|
Bottom 10.2% in tier |
| Tier 1 Capital Ratio ? |
13.50%
+9.4% YoY
+4.8% QoQ
|
-1.35% |
14.84%
-0.4% YoY
|
16.33%
+1.1% YoY
|
17.09%
+0.8% YoY
|
56% |
| Non-Interest Income / Assets ? |
1.73%
+8.1% YoY
+130.2% QoQ
|
+1.20% |
0.53%
+2.5% YoY
|
0.25%
+1.8% YoY
|
0.66%
+5.2% YoY
|
Top 3.3% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
2.8%
0.0pp YoY -0.4pp QoQ |
-18.5pp | 21.4% | 21.3% | 22.2% | 2% |
| Brokered Deposits |
5.2%
-4.1pp YoY +2.5pp QoQ |
-4.2pp | 9.5% | 10.7% | 8.5% | 50% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
2.3%
-1.6pp YoY -0.4pp QoQ |
-11.7pp | 14.0% | 8.9% | 12.5% | 6% |
| CRE |
45.3%
+2.4pp YoY +0.5pp QoQ |
-4.7pp | 50.0% | 50.0% | 41.4% | 37% |
| 1-4 Family |
48.0%
-0.3pp YoY +0.2pp QoQ |
+21.5pp | 26.4% | 37.9% | 31.3% | 89% |
| Consumer |
5.3%
-0.1pp YoY -0.2pp QoQ |
+0.6pp | 4.7% | 3.2% | 5.0% | 82% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
13.5%
+1.2pp YoY +0.6pp QoQ |
-2.1pp | 15.6% | 16.4% | 19.7% | 50% |
| Leverage Ratio |
9.6%
+0.2pp YoY +0.5pp QoQ |
-1.7pp | 11.3% | 13.0% | 12.6% | 26% |
| Total Capital Ratio |
14.7%
+1.3pp YoY +0.6pp QoQ |
-1.9pp | 16.7% | 17.5% | 20.8% | 51% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
354
+7 (+2.0%) YoY -4 (-1.1%) QoQ |
+40 | 313 | 170 | 482 | 73% |
| Assets per Employee ($) |
$2.9M
-2.6% YoY +0.1% QoQ |
-$7.6M | $10.5M | $9.4M | $8.8M | 1% |
| Branch Count |
11
0 YoY 0 QoQ |
-9 | 20 | 9 | 18 | 35% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.2% | 0.4% | n/a |
| Nonaccrual |
2.0%
+0.9pp YoY 0.0pp QoQ |
+1.2pp | 0.8% | 1.1% | 1.0% | 92% |
| Allowance Coverage |
0.59x
-25.4% YoY -4.5% QoQ |
-18.12x | 18.71x | 46.66x | 20.23x | 9% |
| Net Charge-off Rate (YTD) |
0.1%
-0.1pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.1% | 0.2% | 65% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
5.5%
-1.5pp YoY +4.0pp QoQ |
-7.1pp | 12.6% | 8.0% | 11.6% | 9% |
| Cost of Funds (YTD) |
2.6%
-0.3pp YoY -0.1pp QoQ |
+0.7pp | 1.9% | 1.9% | 1.7% | 87% |
| Net Income ($, YTD) |
$2.5M
-17.9% YoY — QoQ |
-$16.7M | $19.2M | $8.4M | $40.4M | 5% |
Get Full Access to Presidential Bank, FSB
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (2)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.