Bank Comparison
Pennian Bank vs Phoenixville Federal Bank and Trust
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 13
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Pennian Bank | Phoenixville Federal Bank and Trust |
|---|---|---|
| CET1 Ratio | 15.78% | — |
| Tier 1 Capital Ratio | 15.78% | — |
| Total Capital Ratio | 17.03% | — |
| Tier 1 Leverage Ratio | 9.33% | 12.36% |
| Equity / Assets | 7.35% | 11.57% |
Profitability
| Metric | Pennian Bank | Phoenixville Federal Bank and Trust |
|---|---|---|
| Return on Assets (ROA) | 0.37% | 0.71% |
| Return on Equity (ROE) | 5.10% | 6.12% |
| Net Interest Margin (NIM) | 3.06% | 3.13% |
| Yield on Earning Assets | 4.61% | 4.54% |
| Cost of Funds | 1.63% | 1.54% |
Asset quality
| Metric | Pennian Bank | Phoenixville Federal Bank and Trust |
|---|---|---|
| Texas Ratio | 18.26% | 7.56% |
| Non-Performing Loan Ratio | 2.28% | 1.25% |
| Non-Performing Asset Ratio | 1.49% | 0.94% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.26% | 1.13% |
Balance sheet
| Metric | Pennian Bank | Phoenixville Federal Bank and Trust |
|---|---|---|
| Total Assets | $657,407K | $654,399K |
| Total Deposits | $569,867K | $559,081K |
| Total Loans | $428,677K | $493,292K |
| Total Equity | $48,340K | $75,723K |
| Net Income (quarter) | $621 | $1,149K |
Liquidity & funding
| Metric | Pennian Bank | Phoenixville Federal Bank and Trust |
|---|---|---|
| Loan-to-Deposit Ratio | 75.22% | 88.23% |
| Core Deposit Ratio | 93.30% | 94.49% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Pennian Bank | Phoenixville Federal Bank and Trust |
|---|---|---|
| Headquarters City | MIFFLINTOWN | PHOENIXVILLE |
| Headquarters State | PA | PA |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 13 | 7 |
| Employees (FTE) | 136 | 81 |
| Established | April 19, 1889, midnight | Jan. 1, 1911, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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