BlastPoint's Banking Scorecard
The Philadelphia Trust Company
Micro
Specialty: Other
PA
FDIC cert 35075
Philadelphia, PA
2498
banks in Micro tier nationally
44 in PA
View Micro leaderboard (PA) →
The Philadelphia Trust Company has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 15.00% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$27.5M
+4.0% YoY
-1.3% QoQ
|
-$190.0M |
$217.5M
+2.3% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 2% in tier |
| Total Loans ? |
$5.5M
-31.8% YoY
-33.2% QoQ
|
-$133.7M |
$139.2M
+2.8% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
Bottom 2% in tier |
| Total Deposits ? |
$6.8M
+15.5% YoY
+7.7% QoQ
|
-$176.9M |
$183.7M
+1.8% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 1% in tier |
| Return on Assets ? |
12.08%
-4.8% YoY
-5.5% QoQ
|
+10.99% |
1.08%
+14.7% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
- |
| Net Interest Margin ? |
3.58%
+5.6% YoY
-7.6% QoQ
|
-0.28% |
3.85%
+6.6% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
38% |
| Efficiency Ratio ? |
65.70%
-1.3% YoY
+3.5% QoQ
|
-2.03% |
67.73%
-4.8% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
51% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
80.33%
-40.9% YoY
-38.0% QoQ
|
+5.80% |
74.53%
+0.5% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
58% |
| Non-Interest-Bearing Deposit Share ? |
7.39%
+48.7% YoY
+413.2% QoQ
|
-15.00% |
22.39%
-1.3% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
Bottom 8% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
11.49%
+7.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
44.26%
-0.3% YoY
+37.3% QoQ
|
+43.70% |
0.56%
+0.3% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
- |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (1)
Non-Interest-Bearing Deposit Share
metric
Bottom 8%
in Micro
Why this stands out
Current:
7.39%
(Tier avg: 22.39%, National avg: 21.79%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
58
58th pctile
Loan-to-Deposit Ratio
Current: 80.33% · Tier avg: 74.53%
51
51th pctile
Efficiency Ratio
Current: 65.70% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
38
38th pctile
Net Interest Margin
Current: 3.58% · Tier avg: 3.85%
8
8th pctile
Non-Interest-Bearing Deposit Share
Current: 7.39% · Tier avg: 22.39%
2
2th pctile
Total Assets
Current: $27.5M · Tier avg: $217.5M
2
2th pctile
Total Loans
Current: $5.5M · Tier avg: $139.2M
1
1th pctile
Total Deposits
Current: $6.8M · Tier avg: $183.7M
Top Weaknesses
1
1th pctile
Total Deposits
Current: $6.8M · Tier avg: $183.7M
2
2th pctile
Total Loans
Current: $5.5M · Tier avg: $139.2M
2
2th pctile
Total Assets
Current: $27.5M · Tier avg: $217.5M
8
8th pctile
Non-Interest-Bearing Deposit Share
Current: 7.39% · Tier avg: 22.39%
38
38th pctile
Net Interest Margin
Current: 3.58% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
51
51th pctile
Efficiency Ratio
Current: 65.70% · Tier avg: 67.73%
58
58th pctile
Loan-to-Deposit Ratio
Current: 80.33% · Tier avg: 74.53%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%