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Overview / Commentary
One Montgomery Tower
San Francisco, CA 94111

Presidio Bank is headquartered in San Francisco and is the 96th largest bank in the state of California. It is also the 1,495th largest bank in the nation. It was established in 2006 and as of December of 2013, it had grown to 46 employees at 5 locations. Presidio Bank has a A+ health rating.

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Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Presidio Bank had $1.97 million in non-current loans and owned real-estate with $49.15 million in equity and loan loss allowances on hand to cover it. This gives Presidio Bank a Texas Ratio of 4.01% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Presidio Bank experienced no significant changes from 3.51% as of December 31, 2012 to 4.01% as of December 31, 2013, resulting in a negative change of 14.12%. This indicates that the balance sheet and financial strength for Presidio Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, Presidio Bank has increased its total deposits by $39.79 million, resulting in 11.13% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Presidio Bank has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Presidio Bank has $443.82 million in assets with $49.15 million in equity, resulting in a capitalization level of 11.07%, which is excellent.

Institution Statistics

FDIC Certificate #58325
Year Established2006
Primary RegulatorFED
Assets and Liabilities
Assets$443.82 million
Loans$368.55 million
Deposits$397.16 million
Equity Capital$44.28 million
Loan Loss Allowance$4.87 million
Unbacked Noncurrent Loans$1.97 million
Real Estate Owned$0
Historic Data - December 2012
Assets$405.46 million
Equity Capital$45.88 million
Loan Loss Allowance$4.95 million
Unbacked Noncurrent Loans$1.97 million
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin3.94%
Return on Assets0.58%
Return on Equity5.28%
Interest Income$16.75 million

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Presidio Bank Savings Account Rates

0.10%$100k-Business Savings Account
0.10%$100k-Personal Savings Account

Presidio Bank Money Market Rates

0.10%$100k-Business Money Market
0.10%$100k-Personal Money Market
0.10%--Business Sweep Money Market

Presidio Bank Checking Account Rates

0.05%$5k-Business Interest Checking
0.05%$1k-Personal Interest Checking
0.05%$25k-Presidio Plus Checking

Presidio Bank CD Rates

0.90%$10k-Business 60 Month CD
0.90%$10k-60 Month CD
0.65%$10k-Business 48 Month CD
0.65%$10k-48 Month CD
0.45%$10k-Business 36 Month CD
0.45%$10k-36 Month CD
0.40%$10k-Business 24 Month CD
0.40%$100k-24 Month Community Values CD
0.40%$10k-24 Month CD
0.40%$100k-Business 24 Month Community Values CD
0.35%$100k-18 Month Community Values CD
0.35%$100k-Business 18 Month Community Values CD
0.30%$10k-Business 12 Month CD
0.30%$100k-12 Month Community Values CD
0.30%$10k-12 Month CD
0.30%$100k-Business 12 Month Community Values CD
0.25%$10k-Business 180 - 364 Day CD
0.25%$100k-6 Month Community Values CD
0.25%$10k-180 - 364 Day CD
0.25%$100k-Business 6 Month Community Values CD
0.15%$10k-Business 7 - 89 Day CD
0.15%$10k-Business 90 - 179 Day CD
0.15%$10k-7 - 89 Day CD
0.15%$10k-90 - 179 Day CD

Presidio Bank IRA Rates

0.90%--60 Month IRA
0.65%--48 Month IRA
0.45%--36 Month IRA
0.40%--24 Month IRA
0.30%--12 Month IRA
0.25%--180 - 364 Day IRA
0.15%--7 - 89 Day IRA
0.15%--90 - 179 Day IRA

Presidio Bank Locations
Walnut Creek Branch1850 Mt. Diablo Blvd, Suite 640Walnut Creek, CA 94596
Palo Alto Branch325 Lytton Ave, Suite 100Palo Alto, CA 94301
San Rafael Branch999 Fifth Avenue, Suite 100San Rafael, CA 94901
Presidio BankOne Montgomery TowerSan Francisco, CA 94111