Presidential Bank FSB: Bank Stress & Real-Estate Credit Exposure

At 84/100, Presidential Bank FSB's DLRadar bank-stress reading is severe; the institution is filed under FDIC Cert #32363. That figure comes straight from public FDIC call-report data — capital, asset quality, earnings and property-loan concentration — weighted by the bank's lending footprint.

Its lending reaches counties such as District Of Columbia County, DC, Montgomery County, MD, Fairfax County, VA, Frederick County, MD, each tied back to DLRadar's distress signals. A severe score on a footprint this size means the markets Presidential Bank FSB touches inherit a corresponding share of that lending pressure. DLRadar does not model Presidential Bank FSB in isolation: the 219-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 6 counties, so a shift in the bank's severe posture can be read directly against on-the-ground distress. The recent trend is stable. Where the score is heading often matters more than where it sits, since tightening credit leads distress rather than follows it. The Presidential Bank FSB score updates as fresh FDIC call reports post each quarter, so its 84/100 reading and 6-county footprint reflect the current filing cycle rather than a dated snapshot — and because it uses the same model as every FDIC bank, Presidential Bank FSB is directly comparable to any lender in the country. Presidential Bank FSB runs a compact, regionally concentrated real-estate lending footprint — 6 U.S. counties across 3 states, spanning 219 ZIP codes. It concentrates most in Virginia (3 counties), Maryland (2 counties), District of Columbia (1 county). Presidential Bank FSB is held under Cleveland Family Generational Tr I, so its disclosures are public and its stress trajectory is externally verifiable. What separates this from a plain credit rating is the geographic weighting — Presidential Bank FSB's 84/100 reading reflects not just its balance sheet but the 6 counties it lends into, so the score doubles as a map of where its stress will land first.

For buyers, lender stress is an early map of supply: when Presidential Bank FSB pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. Watching lender stress is therefore an upstream, leading signal of where distressed inventory surfaces next.

DLRadar scores every FDIC-insured bank this way and links each lender to parcel-level foreclosure, tax-lien and ownership signals in the markets it serves. The result is an early, auditable read on supply, every figure anchored to public data.