The Philadelphia Trust Company: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Equity capital to average assets: 2.62 percentage points higher than in Q1 2026, at 71.74%.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 71.82% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $19.7M |
| Tier 1 capital | $19.7M |
| Total risk-based capital | — |
| Total equity capital | $19.7M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 71.13% |
| Tangible equity to tangible assets | 71.13% |
| Equity capital to average assets | 71.74% |
| Internal capital growth rate | 10.91% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $649K |
| Common stock surplus | $1.6M |
| Retained earnings | $17.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$23K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 71.01% | 69.94% | 69.94% |
| Q4 2023 | 68.96% | 69.68% | 69.68% |
| Q1 2024 | 72.99% | 69.72% | 69.72% |
| Q2 2024 | 70.06% | 70.13% | 70.13% |
| Q3 2024 | 71.53% | 68.30% | 68.30% |
| Q4 2024 | 68.80% | 68.35% | 68.35% |
| Q1 2025 | 71.72% | 69.86% | 69.86% |
| Q2 2025 | 71.95% | 70.91% | 70.91% |
| Q3 2025 | 72.05% | 69.42% | 69.42% |
| Q4 2025 | 69.09% | 68.79% | 68.79% |
| Q1 2026 | 69.09% | 69.69% | 69.69% |
| Q2 2026 | 71.82% | 71.13% | 71.13% |
The Philadelphia Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Philadelphia Trust Company, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Philadelphia Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35075) · FFIEC NIC profile (RSSD 2796277)