Bank Comparison
Phoenixville Federal Bank and Trust vs Bank of Oak Ridge
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 11
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Phoenixville Federal Bank and Trust | Bank of Oak Ridge |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 12.36% | 12.23% |
| Equity / Assets | 11.57% | 12.24% |
Profitability
| Metric | Phoenixville Federal Bank and Trust | Bank of Oak Ridge |
|---|---|---|
| Return on Assets (ROA) | 0.71% | 1.01% |
| Return on Equity (ROE) | 6.12% | 8.29% |
| Net Interest Margin (NIM) | 3.13% | 4.08% |
| Yield on Earning Assets | 4.54% | 5.77% |
| Cost of Funds | 1.54% | 1.88% |
Asset quality
| Metric | Phoenixville Federal Bank and Trust | Bank of Oak Ridge |
|---|---|---|
| Texas Ratio | 7.56% | 19.97% |
| Non-Performing Loan Ratio | 1.25% | 3.37% |
| Non-Performing Asset Ratio | 0.94% | 2.64% |
| Net Charge-Off Ratio | 0.00% | 0.24% |
| ACL / Loans | 1.13% | 1.25% |
Balance sheet
| Metric | Phoenixville Federal Bank and Trust | Bank of Oak Ridge |
|---|---|---|
| Total Assets | $654,399K | $655,420K |
| Total Deposits | $559,081K | $545,388K |
| Total Loans | $493,292K | $513,365K |
| Total Equity | $75,723K | $80,220K |
| Net Income (quarter) | $1,149K | $1,655K |
Liquidity & funding
| Metric | Phoenixville Federal Bank and Trust | Bank of Oak Ridge |
|---|---|---|
| Loan-to-Deposit Ratio | 88.23% | 94.13% |
| Core Deposit Ratio | 94.49% | 96.18% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Phoenixville Federal Bank and Trust | Bank of Oak Ridge |
|---|---|---|
| Headquarters City | PHOENIXVILLE | OAK RIDGE |
| Headquarters State | PA | NC |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 7 | 5 |
| Employees (FTE) | 81 | 78 |
| Established | Jan. 1, 1911, midnight | April 10, 2000, 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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