BlastPoint's Banking Scorecard
Presidential Bank, FSB
Community
Specialty: Commercial
MD
FDIC cert 32363
Bethesda, MD
1484
banks in Community tier nationally
13 in MD
View Community leaderboard (MD) →
Presidential Bank, FSB has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 34% in Community
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 39% in Community
- - Return on Assets 0.72% below tier
- - Efficiency Ratio 25.20% above tier
- - Non-Interest-Bearing Deposit Share 18.34% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+8.5% YoY
+1.8% QoQ
|
-$334.4M |
$1.4B
+2.0% YoY
|
$1.8B
+5.9% YoY
|
$5.9B
+6.5% YoY
|
53% |
| Total Loans ? |
$778.8M
+2.2% YoY
-1.7% QoQ
|
-$196.6M |
$975.5M
+2.4% YoY
|
$1.3B
+9.1% YoY
|
$3.1B
+8.5% YoY
|
56% |
| Total Deposits ? |
$944.9M
+18.3% YoY
+1.9% QoQ
|
-$219.7M |
$1.2B
+1.7% YoY
|
$1.6B
+8.9% YoY
|
$4.7B
+6.3% YoY
|
56% |
| Return on Assets ? |
0.44%
+189.4% YoY
-3.7% QoQ
|
-0.72% |
1.16%
+17.2% YoY
|
0.92%
+11.6% YoY
|
1.12%
+15.6% YoY
|
Bottom 9% in tier |
| Net Interest Margin ? |
3.17%
+2.6% YoY
-0.8% QoQ
|
-0.49% |
3.66%
+9.1% YoY
|
3.64%
+2.9% YoY
|
3.75%
+7.1% YoY
|
24% |
| Efficiency Ratio ? |
87.84%
-4.5% YoY
+0.7% QoQ
|
+25.20% |
62.63%
-5.3% YoY
|
68.23%
-2.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 4% in tier |
| Delinquency Rate ? |
1.56%
+62.8% YoY
+38.1% QoQ
|
+0.93% |
0.63%
+18.3% YoY
|
0.71%
+11.8% YoY
|
0.66%
+20.3% YoY
|
Bottom 15% in tier |
| Loan-to-Deposit Ratio ? |
82.43%
-13.6% YoY
-3.6% QoQ
|
-0.64% |
83.06%
+0.3% YoY
|
87.22%
+2.3% YoY
|
78.04%
+0.7% YoY
|
56% |
| Non-Interest-Bearing Deposit Share ? |
2.71%
-16.2% YoY
-6.3% QoQ
|
-18.34% |
21.05%
-0.9% YoY
|
20.12%
-3.1% YoY
|
21.79%
-1.3% YoY
|
Bottom 2% in tier |
| Nonperforming Asset Ratio ? |
1.38%
+85.0% YoY
+25.6% QoQ
|
+0.88% |
0.50%
+20.3% YoY
|
0.55%
+8.4% YoY
|
0.48%
+20.8% YoY
|
Bottom 12% in tier |
| Tier 1 Capital Ratio ? |
12.96%
+4.0% YoY
+2.6% QoQ
|
+2.72% |
10.24%
-0.6% YoY
|
10.97%
-3.7% YoY
|
9.75%
-1.9% YoY
|
57% |
| Non-Interest Income / Assets ? |
2.92%
+18.7% YoY
+29.4% QoQ
|
+2.18% |
0.74%
-1.3% YoY
|
0.52%
+0.9% YoY
|
0.65%
+0.6% YoY
|
Top 3% in tier |
Signature Analysis
Strengths (1)
Revenue Diversifier
growth
#128 of 371 · Top 34% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
2.92%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
0.44%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank declining
Concerns (4)
Credit Risk Growth
risk
#254 of 642 · Bottom 39% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank declining
Return on Assets
metric
Bottom 9%
in Community
Why this stands out
Current:
0.44%
(Tier avg: 1.16%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 4%
in Community
Why this stands out
Current:
87.84%
(Tier avg: 62.63%, National avg: 65.09%)
Non-Interest-Bearing Deposit Share
metric
Bottom 2%
in Community
Why this stands out
Current:
2.71%
(Tier avg: 21.05%, National avg: 21.79%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
97
97th pctile
Non-Interest Income / Assets
Current: 2.92% · Tier avg: 0.74%
57
57th pctile
Tier 1 Capital Ratio
Current: 12.96% · Tier avg: 10.24%
56
56th pctile
Loan-to-Deposit Ratio
Current: 82.43% · Tier avg: 83.06%
56
56th pctile
Total Deposits
Current: $944.9M · Tier avg: $1.2B
56
56th pctile
Total Loans
Current: $778.8M · Tier avg: $975.5M
53
53th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
24
24th pctile
Net Interest Margin
Current: 3.17% · Tier avg: 3.66%
15
15th pctile
Delinquency Rate
Current: 1.56% · Tier avg: 0.63%
12
12th pctile
Nonperforming Asset Ratio
Current: 1.38% · Tier avg: 0.50%
9
9th pctile
Return on Assets
Current: 0.44% · Tier avg: 1.16%
4
4th pctile
Efficiency Ratio
Current: 87.84% · Tier avg: 62.63%
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 2.71% · Tier avg: 21.05%
Top Weaknesses
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 2.71% · Tier avg: 21.05%
4
4th pctile
Efficiency Ratio
Current: 87.84% · Tier avg: 62.63%
9
9th pctile
Return on Assets
Current: 0.44% · Tier avg: 1.16%
12
12th pctile
Nonperforming Asset Ratio
Current: 1.38% · Tier avg: 0.50%
15
15th pctile
Delinquency Rate
Current: 1.56% · Tier avg: 0.63%
24
24th pctile
Net Interest Margin
Current: 3.17% · Tier avg: 3.66%
53
53th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
56
56th pctile
Total Loans
Current: $778.8M · Tier avg: $975.5M
56
56th pctile
Total Deposits
Current: $944.9M · Tier avg: $1.2B
56
56th pctile
Loan-to-Deposit Ratio
Current: 82.43% · Tier avg: 83.06%
57
57th pctile
Tier 1 Capital Ratio
Current: 12.96% · Tier avg: 10.24%
97
97th pctile
Non-Interest Income / Assets
Current: 2.92% · Tier avg: 0.74%