BlastPoint's Banking Scorecard
Phoenixville Federal Bank and Trust
Designations: ✓ Mutual
Phoenixville, PA
7 branches across PA
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 55 in PA.
- Deposits +3.4% year over year ($559.1M on the books).
- Delinquency rate 1.27%.
- Return on assets 0.77%.
- Efficiency ratio 71.94% vs a 64.48% peer average.
- Loan-to-deposit ratio 88.24% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Phoenixville Federal Bank and Trust faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 25.5% in tier
- - ROA 0.55% below tier average
- - Net Interest Margin 0.71% below tier average
- - Efficiency Ratio 7.46% above tier average
- - Delinquency Rate 0.35% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$648.0M
+0.6% YoY
-1.0% QoQ
|
+$261.5M |
$386.6M
+1.2% YoY
|
$3.1B
+7.3% YoY
|
$6.3B
+7.7% YoY
|
84% |
| Total Loans ? |
$493.3M
-2.4% YoY
+1.2% QoQ
|
+$235.0M |
$258.3M
+1.7% YoY
|
$2.3B
+8.0% YoY
|
$3.2B
+9.4% YoY
|
Top 12.1% in tier |
| Total Deposits ? |
$559.1M
+3.4% YoY
+0.0% QoQ
|
+$232.4M |
$326.7M
+0.7% YoY
|
$2.6B
+7.1% YoY
|
$4.9B
+7.3% YoY
|
85% |
| Return on Assets ? |
0.77%
+32.5% YoY
+8.6% QoQ
|
-0.55% |
1.32%
+10.8% YoY
|
1.63%
+26.6% YoY
|
1.30%
+12.1% YoY
|
22% |
| Net Interest Margin ? |
3.27%
+9.5% YoY
+3.4% QoQ
|
-0.71% |
3.99%
+5.0% YoY
|
3.40%
+8.7% YoY
|
3.95%
+4.9% YoY
|
19% |
| Efficiency Ratio ? |
71.94%
-7.0% YoY
-2.0% QoQ
|
+7.46% |
64.48%
-3.2% YoY
|
66.68%
-6.6% YoY
|
70.05%
+2.5% YoY
|
26% |
| Delinquency Rate ? |
1.27%
+66.0% YoY
+0.5% QoQ
|
+0.35% |
0.92%
+15.7% YoY
|
0.92%
+32.0% YoY
|
0.98%
+16.3% YoY
|
23% |
| Loan-to-Deposit Ratio ? |
88.24%
-5.6% YoY
+1.2% QoQ
|
+10.29% |
77.95%
+1.0% YoY
|
84.75%
+0.9% YoY
|
79.03%
+2.3% YoY
|
30% |
| Non-Interest-Bearing Deposit Share ? |
13.49%
-6.6% YoY
-5.2% QoQ
|
-8.54% |
22.03%
-0.6% YoY
|
18.04%
+1.4% YoY
|
21.98%
-0.6% YoY
|
19% |
| Nonperforming Asset Ratio ? |
0.96%
+61.1% YoY
+2.7% QoQ
|
+0.30% |
0.67%
+16.4% YoY
|
0.67%
+21.3% YoY
|
0.69%
+15.8% YoY
|
21% |
| Tier 1 Capital Ratio ? |
12.62%
+6.4% YoY
+2.1% QoQ
|
-3.29% |
15.91%
+1.4% YoY
|
19.93%
+0.1% YoY
|
17.09%
+0.8% YoY
|
43% |
| Non-Interest Income / Assets ? |
0.31%
+3.4% YoY
+100.3% QoQ
|
-0.25% |
0.57%
+7.6% YoY
|
1.47%
+21.0% YoY
|
0.66%
+5.2% YoY
|
74% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
13.5%
-1.0pp YoY -0.7pp QoQ |
-8.7pp | 22.1% | 18.7% | 22.2% | 19% |
| Brokered Deposits | n/a | n/a | 7.9% | 6.8% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
2.5%
+0.2pp YoY -0.1pp QoQ |
-9.1pp | 11.6% | 8.6% | 12.5% | 8% |
| CRE |
39.2%
-0.9pp YoY +0.6pp QoQ |
-0.4pp | 39.5% | 37.9% | 41.4% | 51% |
| 1-4 Family |
54.9%
+0.6pp YoY -0.5pp QoQ |
+22.3pp | 32.6% | 47.8% | 31.3% | 86% |
| Consumer | n/a | n/a | 4.1% | 3.8% | 5.0% | n/a |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 22.3% | 19.7% | n/a |
| Leverage Ratio |
12.6%
+0.8pp YoY +0.3pp QoQ |
+0.4pp | 12.2% | 13.2% | 12.6% | 71% |
| Total Capital Ratio | n/a | n/a | 19.9% | 23.3% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
82
+4 (+5.1%) YoY +1 (+1.2%) QoQ |
+23 | 58 | 299 | 482 | 78% |
| Assets per Employee ($) |
$7.9M
-4.3% YoY -2.2% QoQ |
+$384K | $7.5M | $9.2M | $8.8M | 66% |
| Branch Count |
7
0 YoY 0 QoQ |
+2 | 4 | 20 | 18 | 75% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.2% | 0.4% | n/a |
| Nonaccrual |
1.3%
+0.5pp YoY 0.0pp QoQ |
+0.3pp | 0.9% | 0.9% | 1.0% | 77% |
| Allowance Coverage |
0.89x
-40.9% YoY -1.7% QoQ |
-23.26x | 24.15x | 3.63x | 20.23x | 24% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 33% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
6.6%
+1.2pp YoY +0.5pp QoQ |
-5.6pp | 12.2% | 10.2% | 11.6% | 19% |
| Cost of Funds (YTD) |
1.4%
-0.2pp YoY 0.0pp QoQ |
-0.3pp | 1.7% | 1.8% | 1.7% | 30% |
| Net Income ($, YTD) |
$2.5M
+32.0% YoY — QoQ |
-$60K | $2.6M | $18.2M | $40.4M | 62% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.