BlastPoint's Banking Scorecard
Phoenixville Federal Bank and Trust
Community
Specialty: Commercial
PA
FDIC cert 29995
Designations: ✓ Mutual
Phoenixville, PA
1484
banks in Community tier nationally
51 in PA
View Community leaderboard (PA) →
Phoenixville Federal Bank and Trust faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 2% in Community
- - Capital Thin: Bottom 7% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$641.2M
-2.1% YoY
+0.9% QoQ
|
-$750.2M |
$1.4B
+2.0% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
20% |
| Total Loans ? |
$494.4M
-2.4% YoY
-1.0% QoQ
|
-$481.0M |
$975.5M
+2.4% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
30% |
| Total Deposits ? |
$545.4M
+1.7% YoY
+1.2% QoQ
|
-$619.2M |
$1.2B
+1.7% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
20% |
| Return on Assets ? |
0.69%
+39.5% YoY
-0.6% QoQ
|
-0.48% |
1.16%
+17.2% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
19% |
| Net Interest Margin ? |
3.07%
+7.8% YoY
+1.0% QoQ
|
-0.60% |
3.66%
+9.1% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
20% |
| Efficiency Ratio ? |
75.06%
-2.4% YoY
-0.3% QoQ
|
+12.43% |
62.63%
-5.3% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
17% |
| Delinquency Rate ? |
1.42%
+82.9% YoY
+82.8% QoQ
|
+0.79% |
0.63%
+18.3% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
17% |
| Loan-to-Deposit Ratio ? |
90.66%
-4.0% YoY
-2.2% QoQ
|
+7.60% |
83.06%
+0.3% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
34% |
| Non-Interest-Bearing Deposit Share ? |
13.58%
-2.6% YoY
+3.5% QoQ
|
-7.46% |
21.05%
-0.9% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
20% |
| Nonperforming Asset Ratio ? |
1.09%
+82.3% YoY
+79.3% QoQ
|
+0.60% |
0.50%
+20.3% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
17% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
11.49%
+7.4% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.62%
+17.9% YoY
+33.7% QoQ
|
-0.12% |
0.74%
-1.3% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
64% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Liquidity Strain
risk
#13 of 513 · Bottom 2% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
90.66%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Capital Thin
risk
#31 of 432 · Bottom 7% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
64
64th pctile
Non-Interest Income / Assets
Current: 0.62% · Tier avg: 0.74%
34
34th pctile
Loan-to-Deposit Ratio
Current: 90.66% · Tier avg: 83.06%
30
30th pctile
Total Loans
Current: $494.4M · Tier avg: $975.5M
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
20
20th pctile
Total Assets
Current: $641.2M · Tier avg: $1.4B
20
20th pctile
Total Deposits
Current: $545.4M · Tier avg: $1.2B
20
20th pctile
Net Interest Margin
Current: 3.07% · Tier avg: 3.66%
20
20th pctile
Non-Interest-Bearing Deposit Share
Current: 13.58% · Tier avg: 21.05%
19
19th pctile
Return on Assets
Current: 0.69% · Tier avg: 1.16%
17
17th pctile
Nonperforming Asset Ratio
Current: 1.09% · Tier avg: 0.50%
17
17th pctile
Efficiency Ratio
Current: 75.06% · Tier avg: 62.63%
17
17th pctile
Delinquency Rate
Current: 1.42% · Tier avg: 0.63%
Top Weaknesses
17
17th pctile
Delinquency Rate
Current: 1.42% · Tier avg: 0.63%
17
17th pctile
Efficiency Ratio
Current: 75.06% · Tier avg: 62.63%
17
17th pctile
Nonperforming Asset Ratio
Current: 1.09% · Tier avg: 0.50%
19
19th pctile
Return on Assets
Current: 0.69% · Tier avg: 1.16%
20
20th pctile
Non-Interest-Bearing Deposit Share
Current: 13.58% · Tier avg: 21.05%
20
20th pctile
Net Interest Margin
Current: 3.07% · Tier avg: 3.66%
20
20th pctile
Total Deposits
Current: $545.4M · Tier avg: $1.2B
20
20th pctile
Total Assets
Current: $641.2M · Tier avg: $1.4B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
30
30th pctile
Total Loans
Current: $494.4M · Tier avg: $975.5M
34
34th pctile
Loan-to-Deposit Ratio
Current: 90.66% · Tier avg: 83.06%
64
64th pctile
Non-Interest Income / Assets
Current: 0.62% · Tier avg: 0.74%