BlastPoint's Banking Scorecard
The Philadelphia Trust Company
under $100M
Specialty: Other
PA
FDIC cert 35075
Philadelphia, PA
541
banks in the under $100M peer group nationally
10 in PA
View under $100M leaderboard (PA) →
The Philadelphia Trust Company has 5 strengths but faces 2 concerns
Key Strengths include matched growth signatures,
metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures,
metrics ranked in the bottom 10%, and values meaningfully below the tier average.
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 10.62% above tier average
- + Delinquency Rate 1.37% below tier average
- + Nonperforming Asset Ratio 0.79% below tier average
- + Non-Interest Income / Assets 10.70% above tier average
- + Efficiency Ratio 19.80% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 22.18% below tier average
- - Net Interest Margin 1.16% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$27.6M
+2.4% YoY
+0.1% QoQ
|
-$34.6M |
$62.2M
-0.6% YoY
|
$3.1B
+7.0% YoY
|
$6.2B
+9.1% YoY
|
Bottom 10.4% in tier |
| Total Loans ? |
$5.2M
-34.9% YoY
-5.2% QoQ
|
-$29.1M |
$34.2M
-1.4% YoY
|
$2.2B
+7.7% YoY
|
$3.2B
+10.8% YoY
|
Bottom 6.1% in tier |
| Total Deposits ? |
$6.3M
+13.5% YoY
-7.8% QoQ
|
-$45.5M |
$51.7M
-0.7% YoY
|
$2.6B
+7.1% YoY
|
$4.8B
+8.2% YoY
|
Bottom 3.7% in tier |
| Return on Assets ? |
11.46%
+6.8% YoY
-5.1% QoQ
|
+10.62% |
0.84%
-2.3% YoY
|
1.46%
+26.2% YoY
|
1.23%
+13.4% YoY
|
Top 0.7% in tier |
| Net Interest Margin ? |
2.70%
-33.5% YoY
-24.5% QoQ
|
-1.16% |
3.86%
+2.8% YoY
|
3.32%
+8.7% YoY
|
3.89%
+5.7% YoY
|
Bottom 10.5% in tier |
| Efficiency Ratio ? |
68.55%
-0.0% YoY
+4.3% QoQ
|
-19.80% |
88.34%
+0.3% YoY
|
69.09%
-7.7% YoY
|
66.95%
-4.1% YoY
|
57% |
| Delinquency Rate ? | 0.00% | -1.37% |
1.37%
+33.8% YoY
|
0.92%
+20.5% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
82.60%
-42.7% YoY
+2.8% QoQ
|
+18.38% |
64.22%
-0.7% YoY
|
83.35%
-0.2% YoY
|
76.70%
+0.9% YoY
|
23% |
| Non-Interest-Bearing Deposit Share ? |
1.53%
-79.3% QoQ
|
-22.18% |
23.71%
+0.3% YoY
|
17.71%
-0.1% YoY
|
22.01%
-1.2% YoY
|
Bottom 7.6% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.79% |
0.79%
+28.2% YoY
|
0.67%
+14.7% YoY
|
0.67%
+19.3% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
69.09%
-3.7% YoY
+1.7% QoQ
|
+42.41% |
26.68%
+2.0% YoY
|
20.10%
+0.3% YoY
|
17.06%
+0.8% YoY
|
Top 5.2% in tier |
| Non-Interest Income / Assets ? |
11.37%
+8.4% YoY
-74.3% QoQ
|
+10.70% |
0.67%
+1.9% YoY
|
0.69%
+18.0% YoY
|
0.32%
+4.1% YoY
|
Top 1.7% in tier |
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12 performance metrics with tier, state, and national benchmarks
Signature behaviors (strengths & concerns)
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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 are growth signatures this bank matches
(e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches
(e.g. Margin Compression, Credit Quality Pressure).
Strengths (0)
No matched strength signatures this quarter
Concerns (0)
No matched concern signatures this quarter
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.
Strengths are metrics in the top 25%
(75th percentile or higher).
Concerns are metrics in the bottom 25%
(25th percentile or lower).
Top Strengths (5 metrics)
1
Delinquency Rate
credit_quality
Value:
0.00%
Peer Median: 1.37%
#1 of 521
Top 0.1% in under $100M
1
Nonperforming Asset Ratio
credit_quality
Value:
0.00%
Peer Median: 0.79%
#1 of 541
Top 0.1% in under $100M
5
Return on Assets
profitability
Value:
11.46%
Peer Median: 0.84%
#5 of 541
Top 0.7% in under $100M
10
Non-Interest Income / Assets
revenue_mix
Value:
11.37%
Peer Median: 0.67%
#10 of 541
Top 1.7% in under $100M
29
Tier 1 Capital Ratio
capital
Value:
69.09%
Peer Median: 26.68%
#29 of 541
Top 5.2% in under $100M
Top Weaknesses (6 metrics)
522
Total Deposits
size
Value:
$6.27M
Peer Median: $51.74M
#522 of 541
Bottom 3.7% in under $100M
509
Total Loans
size
Value:
$5.18M
Peer Median: $34.25M
#509 of 541
Bottom 6.1% in under $100M
501
Non-Interest-Bearing Deposit Share
funding
Value:
1.53%
Peer Median: 23.71%
#501 of 541
Bottom 7.6% in under $100M
486
Total Assets
size
Value:
$27.56M
Peer Median: $62.16M
#486 of 541
Bottom 10.4% in under $100M
485
Net Interest Margin
profitability
Value:
2.70%
Peer Median: 3.86%
#485 of 541
Bottom 10.5% in under $100M
415
Loan-to-Deposit Ratio
liquidity
Value:
82.60%
Peer Median: 64.22%
#415 of 541
Bottom 23.5% in under $100M