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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 $1.5MQ3 2024Q2 2026
Deposit mix
97%Interest-bearing $5.8M3%Noninterest $0.2MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets11.64%12.69%10.73%11.78%12.78%13.25%11.41%14.18%+240 bps
Return on Equity16.76%18.33%15.52%16.90%18.35%19.08%16.49%20.30%+340 bps
Net Interest Margin2.26%2.40%3.10%2.94%2.95%2.69%2.13%2.45%-49 bps
Efficiency Ratio67.42%66.57%68.56%66.03%63.50%65.13%68.55%63.83%-221 bps
Non-Interest Burden-13.04%-13.38%-11.45%-13.15%-14.42%-13.89%-12.73%-16.59%-344 bps
Growth
Asset Growth (YoY)11.84%11.94%4.25%8.41%3.44%4.75%2.35%3.29%-513 bps
Loan Growth (YoY)92.81%46.38%47.63%12.64%9.00%-31.32%-34.40%-18.95%-3,160 bps
Deposit Growth (YoY)17.79%19.96%3.39%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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.63%1.52%1.53%1.55%1.49%2.22%2.34%1.91%+36 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio71.53%68.80%71.72%71.95%72.05%69.09%69.09%71.82%-13 bps
Total Risk-Based Capital71.53%68.80%71.72%71.95%72.05%69.09%69.09%71.82%-13 bps
Equity / Assets68.30%68.35%69.86%70.91%69.42%68.79%69.69%71.13%+23 bps
Liquidity & Funding
Loans / Deposits137.29%138.11%146.32%143.81%131.50%82.15%84.58%107.76%-3,605 bps
Liquid Assets / Assets6.67%4.19%5.64%6.20%8.29%26.14%15.95%5.41%-79 bps
CRE / Total Capitaln/an/an/an/a3.81%5.38%5.30%n/an/a