BlastPoint's Banking Scorecard
Phoenixville Federal Bank and Trust
Designations: ✓ Mutual
Phoenixville, PA
7 branches across PA
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 22.8% in tier
- - ROA 0.56% below tier average
- - Net Interest Margin 0.77% below tier average
- - Efficiency Ratio 8.08% above tier average
- - Delinquency Rate 0.37% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$654.4M
+0.4% YoY
+2.1% QoQ
|
+$268.3M |
$386.1M
+0.5% YoY
|
$3.1B
+7.0% YoY
|
$6.2B
+9.1% YoY
|
85% |
| Total Loans ? |
$487.7M
-3.0% YoY
-1.4% QoQ
|
+$232.0M |
$255.7M
+1.1% YoY
|
$2.2B
+7.7% YoY
|
$3.2B
+10.8% YoY
|
Top 12.2% in tier |
| Total Deposits ? |
$559.1M
+3.0% YoY
+2.5% QoQ
|
+$231.1M |
$328.0M
+0.1% YoY
|
$2.6B
+7.1% YoY
|
$4.8B
+8.2% YoY
|
85% |
| Return on Assets ? |
0.71%
+32.9% YoY
+3.4% QoQ
|
-0.56% |
1.27%
+12.9% YoY
|
1.46%
+26.2% YoY
|
1.23%
+13.4% YoY
|
21% |
| Net Interest Margin ? |
3.16%
+9.1% YoY
+3.2% QoQ
|
-0.77% |
3.93%
+6.0% YoY
|
3.32%
+8.7% YoY
|
3.89%
+5.7% YoY
|
17% |
| Efficiency Ratio ? |
73.37%
-7.0% YoY
-2.3% QoQ
|
+8.08% |
65.29%
-4.5% YoY
|
69.09%
-7.7% YoY
|
66.95%
-4.1% YoY
|
25% |
| Delinquency Rate ? |
1.26%
+56.3% YoY
-11.2% QoQ
|
+0.37% |
0.89%
+18.8% YoY
|
0.92%
+20.5% YoY
|
0.95%
+18.8% YoY
|
23% |
| Loan-to-Deposit Ratio ? |
87.23%
-5.9% YoY
-3.8% QoQ
|
+10.60% |
76.64%
+0.8% YoY
|
83.35%
-0.2% YoY
|
76.70%
+0.9% YoY
|
30% |
| Non-Interest-Bearing Deposit Share ? |
14.23%
+4.9% YoY
+4.8% QoQ
|
-7.79% |
22.02%
-1.0% YoY
|
17.71%
-0.1% YoY
|
22.01%
-1.2% YoY
|
21% |
| Nonperforming Asset Ratio ? |
0.94%
+51.0% YoY
-14.1% QoQ
|
+0.30% |
0.64%
+19.7% YoY
|
0.67%
+14.7% YoY
|
0.67%
+19.3% YoY
|
21% |
| Tier 1 Capital Ratio ? |
12.36%
+7.5% YoY
+0.0% QoQ
|
-3.47% |
15.83%
+1.5% YoY
|
20.10%
+0.3% YoY
|
17.06%
+0.8% YoY
|
40% |
| Non-Interest Income / Assets ? |
0.16%
+2.3% YoY
-75.0% QoQ
|
-0.12% |
0.28%
+9.3% YoY
|
0.69%
+18.0% YoY
|
0.32%
+4.1% YoY
|
76% |
Get Full Access to Phoenixville Federal Bank and Trust
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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.