BlastPoint's Banking Scorecard

Presidential Bank, FSB

$1B-$10B Specialty: Commercial MD FDIC cert 32363

Designations: ✓ Community bank

Bethesda, MD

11 branches across VA · MD · DC

884 banks in the $1B-$10B peer group nationally 9 in MD

Presidential Bank, FSB has 1 strength but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Non-Interest Income / Assets 0.49% above tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 31.0% in tier
- Efficiency Drag: Bottom 41.9% in tier
- Return on Assets 1.23% below tier average
- Non-Interest-Bearing Deposit Share 18.03% below tier average
- Net Interest Margin 0.58% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
Total Assets ?	$1.0B +6.9% YoY -3.3% QoQ	-$1.8B	$2.8B -0.1% YoY	$1.8B +4.9% YoY	$6.2B +9.1% YoY	Bottom 2.4% in tier
Total Loans ?	$786.4M +3.2% YoY +1.0% QoQ	-$1.2B	$2.0B +0.6% YoY	$1.3B +7.3% YoY	$3.2B +10.8% YoY	Bottom 14.0% in tier
Total Deposits ?	$907.9M +7.1% YoY -3.9% QoQ	-$1.4B	$2.3B -0.3% YoY	$1.6B +7.4% YoY	$4.8B +8.2% YoY	Bottom 7.6% in tier
Return on Assets ?	0.13% -53.8% YoY -69.7% QoQ	-1.23%	1.37% +19.6% YoY	0.90% +4.7% YoY	1.23% +13.4% YoY	Bottom 3.3% in tier
Net Interest Margin ?	3.24% +2.1% YoY +2.0% QoQ	-0.58%	3.82% +6.9% YoY	3.69% +5.2% YoY	3.89% +5.7% YoY	26%
Efficiency Ratio ?	90.86% +2.3% YoY +3.4% QoQ	+29.80%	61.06% -4.6% YoY	68.69% -3.5% YoY	66.95% -4.1% YoY	Bottom 2.5% in tier
Delinquency Rate ?	1.62% +31.2% YoY +4.1% QoQ	+0.73%	0.89% +14.1% YoY	1.00% +1.9% YoY	0.95% +18.8% YoY	Bottom 13.7% in tier
Loan-to-Deposit Ratio ?	86.62% -3.7% YoY +5.1% QoQ	+2.41%	84.20% +0.3% YoY	87.36% +2.8% YoY	76.70% +0.9% YoY	49%
Non-Interest-Bearing Deposit Share ?	3.26% +2.9% YoY +20.3% QoQ	-18.03%	21.29% -2.5% YoY	20.21% -0.6% YoY	22.01% -1.2% YoY	Bottom 2.6% in tier
Nonperforming Asset Ratio ?	1.49% +51.5% YoY +7.8% QoQ	+0.82%	0.67% +15.6% YoY	0.86% +7.2% YoY	0.67% +19.3% YoY	Bottom 11.3% in tier
Tier 1 Capital Ratio ?	12.87% +2.7% YoY -0.7% QoQ	-2.29%	15.16% +2.0% YoY	16.27% -0.9% YoY	17.06% +0.8% YoY	46%
Non-Interest Income / Assets ?	0.75% +5.5% YoY -74.3% QoQ	+0.49%	0.26% +1.6% YoY	0.12% -21.7% YoY	0.32% +4.1% YoY	Top 3.8% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Credit Risk Growth

risk

#131 of 420 • Bottom 31.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

420 of 420 Mid-Market banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank improving

Efficiency Drag

risk

#32 of 74 • Bottom 41.9% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 90.86%

(Tier: 61.06%, National: 66.95%)

worse than tier avg

74 of 74 Mid-Market banks match · 492 nationally

→ Stable | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (1 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 0.75%

Peer Median: 0.26%

#35 of 884 Top 3.8% in $1B-$10B

Top Weaknesses (8 metrics)

864

Total Assets

size

Value: $1.02B

Peer Median: $2.82B

#864 of 884 Bottom 2.4% in $1B-$10B

863

Efficiency Ratio

profitability

Value: 90.86%

Peer Median: 61.06%

#863 of 884 Bottom 2.5% in $1B-$10B

862

Non-Interest-Bearing Deposit Share

funding

Value: 3.26%

Peer Median: 21.29%

#862 of 884 Bottom 2.6% in $1B-$10B

856

Return on Assets

profitability

Value: 0.13%

Peer Median: 1.37%

#856 of 884 Bottom 3.3% in $1B-$10B

818

Total Deposits

size

Value: $907.85M

Peer Median: $2.34B

#818 of 884 Bottom 7.6% in $1B-$10B

785

Nonperforming Asset Ratio

credit_quality

Value: 1.49%

Peer Median: 0.67%

#785 of 884 Bottom 11.3% in $1B-$10B

760

Delinquency Rate

credit_quality

Value: 1.62%

Peer Median: 0.89%

#760 of 880 Bottom 13.7% in $1B-$10B

761

Total Loans

size

Value: $786.37M

Peer Median: $1.96B

#761 of 884 Bottom 14.0% in $1B-$10B