Phoenixville Federal Bank and Trust

Phoenixville, PA · Cert 29995 · Peer group: banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=27-31)

SI · FDIC · 7 branches

Q2 2026

$648.0MAssets

$498.9MLoans

$559.1MDeposits

$76.9MEquity

Executive Summary

Strongest standing: efficiency ratio outperforms 48% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 17 of 31).
Widest gap: total risk-based capital ratio trails 84% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 26 of 31).
Overall: at or above the peer median on 0 of 9 directional measures.

Return on Assets

0.77%

Rank 18 of 31

Net Interest Margin

3.07%

Rank 19 of 31

Efficiency Ratio

71.94%

Rank 17 of 31

Equity / Assets

11.86%

Rank 17 of 31

Unfavorable gap of $13.2M · efficiency ratio beats 48% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
Earnings
Return on Assets	0.77%	0.63%	0.93%	2.39%	Beats 42%	18 / 31
Return on Equity	6.49%	4.15%	7.07%	14.29%	Beats 42%	18 / 31
Net Interest Margin	3.07%	2.72%	3.26%	3.84%	Beats 39%	19 / 31
Efficiency Ratio	71.94%	49.04%	63.83%	80.34%	Beats 48%	17 / 31
Asset Quality
Nonperforming Loans / Loans	1.25%	0.00%	0.24%	1.22%	Beats 22%	22 / 27
Net Charge-Offs / Loans	0.00%	n/a	n/a	0.01%	Beats 33%	19 / 27
Capital
Tier 1 Capital Ratio	12.62%	13.01%	19.43%	42.39%	Beats 19%	25 / 31
Total Risk-Based Capital Ratio	12.62%	13.95%	20.55%	43.38%	Beats 16%	26 / 31
Equity / Assets	11.86%	9.21%	12.36%	21.28%	Beats 45%	17 / 31
Liquidity & Funding
Loans / Deposits	89.24%	52.41%	83.15%	99.86%	58th pctl	13 / 31
Loans / Assets	76.99%	37.80%	67.87%	79.23%	68th pctl	10 / 31
Brokered Deposits / Deposits	n/a	Not reported for this institution