Presidential Bank FSB (FDIC #32363): Bank Stress & Real-Estate Credit Exposure
Presidential Bank FSB (FDIC Cert #32363): bank stress 84/100, severe, STABLE over 7 days; parent CLEVELAND FAMILY GENERATIONAL TR I.
Presidential Bank FSB (#32363) lends in 6 counties across 3 states; Presidential Bank FSB (#32363) reaches 219 ZIP codes: Virginia 3 counties, 77 ZIPs; Maryland 2 counties, 85 ZIPs; District of Columbia 1 county, 57 ZIPs.
Presidential Bank FSB (#32363) largest markets: District Of Columbia County, DC (57 branches, 57 ZIPs) (#32363), Montgomery County, MD (159 branches, 53 ZIPs) (#32363), Fairfax County, VA (147 branches, 49 ZIPs) (#32363), Frederick County, MD (35 branches, 35 ZIPs) (#32363), Loudoun County, VA (21 branches, 21 ZIPs) (#32363), Arlington County, VA (24 branches, 12 ZIPs) (#32363).
Presidential Bank FSB (#32363) reports $1.01 billion in total assets; Presidential Bank FSB (#32363) equity $93.1 million (9.2% of Presidential Bank FSB (#32363) assets); Presidential Bank FSB (#32363) domestic deposits $897.1 million; Presidential Bank FSB (#32363) net income $2.5 million; Presidential Bank FSB (#32363) return on assets 0.49%; Presidential Bank FSB (#32363) return on equity 5.49%; Presidential Bank FSB (#32363) net interest income $16.5 million; Presidential Bank FSB (#32363) call report June 30, 2026.
Presidential Bank FSB (#32363) noncurrent real-estate loans: none reported; Presidential Bank FSB (#32363) net charge-offs on real estate 1.19%; Presidential Bank FSB (#32363) residential charge-offs 2.58%.
Presidential Bank FSB (#32363) net interest margin 3.35% against an eight-quarter Presidential Bank FSB (#32363) average of 3.19% (Presidential Bank FSB (#32363) compression -0.17 points); Presidential Bank FSB (#32363) non-residential real estate 258.1% of equity; Presidential Bank FSB (#32363) rate-exposure score 40/100, Presidential Bank FSB (#32363) fixed-rate trap 40/100; Presidential Bank FSB (#32363) risk type credit driven; Presidential Bank FSB (#32363) rate regime rates elevated, Presidential Bank FSB (#32363) snapshot October 19, 2026.
Presidential Bank FSB (#32363) stress score moved from 89.8 on June 22, 2026 to 83.6 on October 19, 2026; Presidential Bank FSB (#32363) ranged 83.6 to 89.8 over 116 snapshots.
Presidential Bank FSB (#32363) alerts: 6 counties; top Presidential Bank FSB (#32363) alert scores: Frederick County, MD 43 (moderate); Washington County, MD 42 (moderate); Arlington County, MD 25 (low); Leesburg County, MD 25 (low); Rockville County, MD 25 (low).