Phoenixville Federal Bank and Trust

Phoenixville, PA · Cert 29995

SI · FDIC · 7 branches

Q2 2026

$648.0MAssets

$498.9MLoans

$559.1MDeposits

$76.9MEquity

Loan mix

Deposit mix

NIM

Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2026 SOD (annual) · 0.1% share · #33 of 88 inst. · $0.6B of $685.1B

2.1% Chester

0.6% Montgomery

Earnings: ROA of 0.77%, up 19 bps year over year; NIM at 3.07%.
Asset quality: problem loans at 1.25% of loans (+50 bps YoY), with net charge-offs at 0.00%.

Return on Assets (YTD, annualized)

0.77%+19 bps YoY

Net Interest Margin (YTD, annualized)

3.07%+26 bps YoY

Efficiency Ratio (YTD, annualized)

71.94%-542 bps YoY

Tier 1 Leverage Ratio

12.62%+76 bps YoY

Year to date, annualized, through each quarter.

Metric	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	YoY Δ
Earnings
Return on Assets	0.58%	0.69%	0.69%	0.71%	0.77%	+19 bps
Return on Equity	5.42%	6.32%	6.21%	6.12%	6.59%	+117 bps
Net Interest Margin	2.81%	2.86%	2.89%	2.96%	3.07%	+26 bps
Efficiency Ratio	77.36%	75.32%	75.06%	73.37%	71.94%	-542 bps
Non-Interest Burden	2.04%	2.00%	2.01%	2.00%	2.03%	-1 bps
Growth
Asset Growth (YoY)	-2.60%	-2.75%	-2.11%	0.39%	0.56%	+316 bps
Loan Growth (YoY)	-1.49%	-2.15%	-2.44%	-3.07%	-2.44%	-94 bps
Deposit Growth (YoY)	0.83%	1.30%	1.67%	2.99%	3.41%	+259 bps
Asset Quality
Nonperforming Loans / Loans	0.75%	0.77%	1.40%	1.25%	1.25%	+50 bps
Net Charge-Offs / Loans	0.03%	0.02%	0.01%	0.00%	0.00%	-3 bps
Allowance / Loans	1.14%	1.09%	1.12%	1.13%	1.12%	-2 bps
Allowance Coverage of NPLs	1.5x	1.4x	0.8x	0.9x	0.9x	-0.6x
Capital
Tier 1 Leverage Ratio	11.86%	12.16%	12.35%	12.36%	12.62%	+76 bps
Total Risk-Based Capital	11.86%	12.16%	12.35%	12.36%	12.62%	+76 bps
Equity / Assets	11.02%	11.52%	11.63%	11.57%	11.86%	+84 bps
Liquidity & Funding
Loans / Deposits	94.59%	93.68%	91.68%	88.23%	89.24%	-535 bps
Liquid Assets / Assets	6.66%	6.39%	8.23%	11.24%	9.87%	+321 bps
CRE / Total Capital	n/a	249%	242%	234%	n/a	n/a