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Why Presidential?


Business Philosophy

At Presidential, we have a simple philosophy:

"Responsive, professional service through local, independent leadership."

If you look at our high Deposit Rates, you will see that they are among the most attractive in the marketplace.

Washington Consumers' Checkbook magazine has rated us higher than any other bank or savings and loan in the Washington, D.C., area for "Reasonableness of Fee Policies", based upon an extensive survey of bank customers. See for yourself, by checking our low Schedules of Fees. In fact, we've been highly rated by several organizations such as Bankrate.com, Wall Street Journal, CBSMarketWatch.com, Time Magazine, and CNNfn.

Our Home Mortgage rates are extremely competitive, and our Commercial Lending department is ready to help your business grow. We are small enough to give customers the personal attention they expect.

How does Presidential offer such good value?

  1. We keep costs down, by limiting the number and size of our branches and by locating them in areas with high concentrations of potential customers.
  2. We use innovative methods, such as expanding our presence on the Internet, which offer the potential to further reduce the cost of distributing banking products to the consumer.
  3. We are careful to lend depositors' money for good returns at reasonable risk, enabling us to pay a fair rate of interest on customer balances.
  4. We give our customers access to the best mortgage rates we can find anywhere from high volume institutional mortgage buyers, passing on the benefits of lower rates to the borrower.
  5. We specialize in making smaller (under $2 million) commercial real estate loans that many "mega-banks" do not want to be bothered with, allowing us to provide good service to smaller commercial borrowers, while diversifying credit risks and allowing good interest rates for our depositors.
Last Modifications: 10/23/2015 10:09:17 AM