The Philadelphia Trust Company
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Data as of · sourced from FFIEC call reports. How we update
The Philadelphia Trust Company is an FDIC-insured commercial bank headquartered in Philadelphia, PA, established in 1999 (FDIC certificate 35075), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $27.7M, up 3.3% from Q2 2025, the 108th largest of 109 banks headquartered in Pennsylvania.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 35075
- Headquarters
- Philadelphia, PA
- Established
- 1999
- Total assets, Q2 2026
- $27.7M
- Assets vs Q2 2025
- +3.3%
- Capital ratio
- Not reported
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 036018587
- Latest call report
- Q2 2026, FFIEC 041 · The Philadelphia Trust Company call report
- Asset rank in state
- 108th of 109 in Pennsylvania
The Philadelphia Trust Company is one of the more profitable banks of its size. The Philadelphia, Pennsylvania bank had $28 million in assets at June 30, 2026, up 3.3% from a year earlier. It returns 24.1% a year on shareholders' equity, about triple the median of 8.6% for the 583 banks with less than $100 million in assets. On the other hand, it pays an average of 3.77% on its deposits and borrowings, 2.5 times the median of 1.53% for banks its size.
Earnings jumped: net income for the quarter was $1.2 million, 37% above the same quarter a year earlier. Over the same year, loans shrank 19.0% and deposits grew 8.2%.
As of June 30, 2026, The Philadelphia Trust Company reported a return on assets of 17.09%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
The Philadelphia Trust Company ranks as the 108th largest of the 109 banks based in Pennsylvania, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.5% to $27.7M, loans rose 22.6% and deposits fell 3.8%. Other consumer loans made up 43.4% of its total loans on June 30, 2026, its largest category; next came all other loans at 33.4%. The FDIC Summary of Deposits lists a single office for it, in Philadelphia, PA. By the capital ratios in its Q2 2026 call report, The Philadelphia Trust Company meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1760 Market St Fl 2, Philadelphia, PA 19103
- County
- Philadelphia
- Metro Area
- Philadelphia-Camden-Wilmington, Pa-NJ-De-MD
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- April 1, 1999
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 21
- Domestic deposits
- $6.0M
- Allowance for credit losses
- $124K
- Net charge-offs (YTD)
- $0
- Average total assets
- $27.5M
- Average total loans
- $5.9M
- Average interest-bearing deposits
- $6.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- April 1, 1999
- FDIC Cert
- 35075
- Fed RSSD
- 2796277
- Website
- www.philadelphiatrust.com →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, The Philadelphia Trust Company reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
The Philadelphia Trust Company's total assets moved between a low of $23.7M (Q4 2023) and a high of $27.9M (Q3 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$27.7M total assets against $26.8M; $8.0M total liabilities against $7.8M.
$6.4M net loans and leases against $7.9M; $6.0M total deposits against $5.6M.
$14.0M securities against $11.0M; $2.8M cash and balances due against $3.6M.
$246K total interest income against $247K; $58K total interest expense against $62K.
$188K net interest income against $185K.
$3.8M total noninterest income against $3.0M; $2.4M total noninterest expense against $2.1M.
No provision recorded in the last 12 quarters.
$1.2M net income against $859K.
17.09% return on assets against 13.03%; 3.45% net interest margin against 3.61%.
71.82% tier 1 leverage ratio against 71.95%.
Inside the full The Philadelphia Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
The Philadelphia Trust Company rankings
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 10.94% (Q1 2025) to 17.09% (Q2 2026) and its net interest margin ran from 2.69% (Q1 2026) to 4.37% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 71.82% | 17.09% | 0.00% | 0.00% | 3.45% |
| Q1 2026 | 69.09% | 11.36% | 0.00% | 0.00% | 2.69% |
| Q4 2025 | 69.09% | 14.64% | 0.00% | 0.00% | 2.71% |
| Q3 2025 | 72.05% | 15.13% | 0.00% | 0.00% | 4.37% |
| Q2 2025 | 71.95% | 13.03% | 0.00% | 0.00% | 3.61% |
| Q1 2025 | 71.72% | 10.94% | 0.00% | 0.00% | 4.07% |
| Q4 2024 | 68.80% | 15.73% | 0.00% | 0.00% | 3.99% |
| Q3 2024 | 71.53% | 15.80% | 0.00% | 0.00% | 3.97% |
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Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Philadelphia Trust Company | Philadelphia , PA | 19103 | $6.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in PA, rank 144 of 145 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Philadelphia Trust Company
What are The Philadelphia Trust Company's total assets?
As of the Q2 2026 filing, The Philadelphia Trust Company reported total assets of $27.7 million in its FFIEC call report.
Where is The Philadelphia Trust Company headquartered?
It is headquartered in Philadelphia, PA, United States.
When was The Philadelphia Trust Company founded?
It was established in 1999, per the FDIC institution directory.
Is The Philadelphia Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #35075). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Philadelphia Trust Company?
The Philadelphia Trust Company's primary federal regulator is the FDIC.
How many branches does The Philadelphia Trust Company operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Philadelphia Trust Company's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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