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Philadelphia Trust Company, The

Philadelphia, PA · Cert 35075

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=27 to 31). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

83

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

62

Q2 2024Q2 2026peer median (50)

Liquidity

4

Q2 2024Q2 2026peer median

Efficiency

52

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Philadelphia Trust Company, The

Philadelphia, PA · Cert 35075

State charter, non-member · FDIC · 1 branch

Q2 2026

$27.7MAssets
$6.5MLoans
$6.0MDeposits
$19.7MEquity
Loan mix
34%RE $1.0M17%C&I $0.5M49%Consumer $1.5MQ2 2025Q2 2026
Deposit mix
97%Interest-bearing $5.8M3%Noninterest $0.2MQ2 2025Q2 2026

NIM

3.07%Q2 ’243.92%Q2 ’253.34%Q2 ’26+46%-17%

Non-interest income vs. expense

31.83%Q2 ’2431.29%Q2 ’2533.59%Q2 ’26-22%-26%

Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2026 SOD (annual) · 0.0% share · #77 of 88 inst. · $0.0B of $685.1B

Executive Summary

  • Earnings: ROA of 14.18%, up 240 bps year over year; NIM at 2.45%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 71.82%, down 13 bps from a year ago.
  • Funding: loans stand at 107.76% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

14.18%+240 bps YoY

Net Interest Margin (YTD, annualized)

2.45%-49 bps YoY

Efficiency Ratio (YTD, annualized)

63.83%-221 bps YoY

Tier 1 Leverage Ratio

71.82%-13 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets11.78%12.78%13.25%11.41%14.18%+240 bps
Return on Equity16.90%18.35%19.08%16.49%20.30%+340 bps
Net Interest Margin2.94%2.95%2.69%2.13%2.45%-49 bps
Efficiency Ratio66.03%63.50%65.13%68.55%63.83%-221 bps
Non-Interest Burden-13.15%-14.42%-13.89%-12.73%-16.59%-344 bps
Growth
Asset Growth (YoY)8.41%3.44%4.75%2.35%3.29%-513 bps
Loan Growth (YoY)12.64%9.00%-31.32%-34.40%-18.95%-3,160 bps
Deposit Growth (YoY)13.52%13.80%15.46%13.48%8.16%-536 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.55%1.49%2.22%2.34%1.91%+36 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio71.95%72.05%69.09%69.09%71.82%-13 bps
Total Risk-Based Capital71.95%72.05%69.09%69.09%71.82%-13 bps
Equity / Assets70.91%69.42%68.79%69.69%71.13%+23 bps
Liquidity & Funding
Loans / Deposits143.81%131.50%82.15%84.58%107.76%-3,605 bps
Liquid Assets / Assets6.20%8.29%26.14%15.95%5.41%-79 bps
CRE / Total Capitaln/a3.81%5.38%5.30%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Philadelphia Trust Company, The

Philadelphia, PA · Cert 35075 · Peer group: banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=27-31)

State charter, non-member · FDIC · 1 branch

Q2 2026

$27.7MAssets
$6.5MLoans
$6.0MDeposits
$19.7MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 7 of 27).
  • Widest gap: net interest margin trails 94% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 29 of 31).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

14.17%

Rank 2 of 31

Net Interest Margin

2.45%

Rank 29 of 31

Efficiency Ratio

63.83%

Rank 16 of 31

Equity / Assets

71.13%

Rank 4 of 31

Non-interest income vs. expense

$13.8M$9.2MINCOMEEXPENSE
Favorable gap of $4.6M · efficiency ratio beats 52% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area
Bank 63.83%Peer median 63.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets14.17%0.63%0.93%2.39%Beats 94%2 / 31
Return on Equity19.92%4.15%7.07%14.29%Beats 87%4 / 31
Net Interest Margin2.45%2.72%3.26%3.84%Beats 6%29 / 31
Efficiency Ratio63.83%49.04%63.83%80.34%Beats 52%16 / 31
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.24%1.22%Beats 100%7 / 27
Net Charge-Offs / Loans0.00%n/an/a0.01%Beats 100%16 / 27
Capital
Tier 1 Capital Ratio71.82%13.01%19.43%42.39%Beats 81%6 / 31
Total Risk-Based Capital Ratio71.82%13.95%20.55%43.38%Beats 81%6 / 31
Equity / Assets71.13%9.21%12.36%21.28%Beats 87%4 / 31
Liquidity & Funding
Loans / Deposits107.76%52.41%83.15%99.86%84th pctl5 / 31
Loans / Assets23.47%37.80%67.87%79.23%19th pctl25 / 31
Brokered Deposits / Depositsn/aNot reported for this institution