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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 75thStandingRank8-Qtr TrendPeer 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