Home | About Us | Statement of Conditions

Financial Strength

Selected Financial Data (in thousands), as of March 31 each year

	2025	2024	2023	2022	2021
Consolidated Assets	956,132	962,747	$819,011	$887,601	$856,465
Deposits	840,863	728,013	650,097	781,717	742,988
Net Loans	696,014	719,906	617,703	475,452	436,166
Equity	87,264	83,452	89,258	90,080	89,601
Total Capital	98,090	96,614	100,625	98,184	95,186

Basel III Regulatory Capital Framework (Note 1) as of March 31, 2025

Presidential Bank, FSB

Consolidated Statement of Condition Fiscal Year Ended March 31, 2025

Common Equity Tier 1	Capital Ratio Tier 1	Total Capital Ratio	Total Capital Ratio Tier 1 Leverage Ratio
12.53%	12.53%	13.77%	9.58%

Note 1 – Regulatory capital is a key factor considered by the OCC to determine whether a savings association is operating in a safe and sound manner. At March 31, 2025, the Bank maintained capital levels that exceeded all regulatory minimums.

Assets
Cash and cash equivalents	$81,686,159
Federal funds sold	803,727
Investment securities – held-to-maturity	18,947,362
Investment securities – available-for-sale	42,397,473
Mortgage loans held for sale	64,023,698
Loans receivable, net	696,014,113
Accrued interest receivable	4,252,455
Federal home loan bank stock, at cost	712,000
Bank premises and equipment, net	2,855,275
Deferred income taxes	5,063,140
Income taxes receivable	492,650
Bank-owned life insurance	11,601,568
Other assets	27,281,984
Total assets	$956,131,603

Liabilities and Equity
Deposits	$840,862,928
Mortgage funding and cashiers' checks outstanding	3,029,892
Federal Home Loan Bank & Federal Reserve advances	0
Advance payments from borrowers for taxes and insurance	3,830,303
Accrued expenses and other liabilities	21,144,157
Total liabilities	$868,867,280

Shareholders' equity
Capital stock ($1.00 par value)	428,829
Additional paid-in capital	6,381,193
Retained earnings	83,564,659
Accumulated other comprehensive loss	(3,110,358)
Total equity	$87,264,323
Total liabilities and equity	$956,131,603