The Philadelphia Trust Company: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 71.82% +62.82 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $19.7M | 19,723 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $27.5M | 27,461 | RCOAA224 |
| Recomputed ratio | 71.82% | numerator / denominator | |
| Filed ratio | 71.82% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +62.82 pp | $17.3M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 2,246 | 2,246 | 2,246 | 2,246 | 2,246 | 2,246 | RCOAP742 |
| Retained earnings | 17,477 | 16,952 | 16,813 | 17,101 | 16,735 | 16,525 | RCOAKW00 |
| Accumulated other comprehensive income | (23) | 7 | 22 | 20 | 31 | 39 | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 19,700 | 19,205 | 19,081 | 19,367 | 19,012 | 18,810 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 23 | (7) | (22) | (20) | (31) | (39) | P859 - P840 |
| Common equity Tier 1 capital | 19,723 | 19,198 | 19,059 | 19,347 | 18,981 | 18,771 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 19,723 | 19,198 | 19,059 | 19,347 | 18,981 | 18,771 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 27,461 | 27,787 | 27,587 | 26,854 | 26,379 | 26,173 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | CBLR | NA | NA | NA | 71.82% | 22.08% | 22.08% | 23.06% | 13.06% |
| 1Q26 | CBLR | NA | NA | NA | 69.09% | 22.52% | 22.52% | 23.43% | 13.02% |
| 4Q25 | CBLR | NA | NA | NA | 69.09% | 21.73% | 21.73% | 22.73% | 13.18% |
| 3Q25 | CBLR | NA | NA | NA | 72.05% | 21.77% | 21.77% | 22.80% | 13.28% |
| 2Q25 | CBLR | NA | NA | NA | 71.95% | 22.20% | 22.20% | 23.15% | 13.00% |
| 1Q25 | CBLR | NA | NA | NA | 71.72% | 21.99% | 21.99% | 22.93% | 12.89% |
| 4Q24 | CBLR | NA | NA | NA | 68.80% | 21.43% | 21.43% | 22.37% | 12.92% |
| 3Q24 | CBLR | NA | NA | NA | 71.53% | 21.38% | 21.38% | 22.41% | 12.89% |
| 2Q24 | CBLR | NA | NA | NA | 70.06% | 20.76% | 20.76% | 21.89% | 12.82% |
| 1Q24 | CBLR | NA | NA | NA | 72.99% | 20.90% | 20.90% | 22.17% | 12.66% |
| 4Q23 | CBLR | NA | NA | NA | 68.96% | 20.52% | 20.52% | 21.59% | 12.60% |
| 3Q23 | CBLR | NA | NA | NA | 71.01% | 20.70% | 20.70% | 21.86% | 12.73% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| The Philadelphia Trust Company (this bank) | CBLR | NA | NA | NA | 71.82% | |
| Brazos National Bank | $27.6M | Risk-based | 99.13% | 99.13% | 99.49% | 56.08% |
| American Trust & Savings Bank | $27.8M | Risk-based | 39.96% | 39.96% | 41.23% | 15.65% |
| Milford Building and Loan Association, SB | $28.1M | CBLR | NA | NA | NA | 12.29% |
| Bank of Vici | $27.3M | CBLR | NA | NA | NA | 5.23% |
| The Liberty Savings Association, FSA | $28.2M | CBLR | NA | NA | NA | 24.05% |
| Andes State Bank | $28.2M | Risk-based | 29.17% | 29.17% | 30.42% | 13.32% |
| State Bank of Easton | $28.4M | Risk-based | 19.20% | 19.20% | 20.45% | 13.76% |
| Peer 25th percentile | 26.67% | 26.67% | 27.93% | 12.80% | ||
| Peer median | 34.56% | 34.56% | 35.83% | 13.76% | ||
| Peer 75th percentile | 54.75% | 54.75% | 55.80% | 19.85% | ||
| This bank's percentile | NA | NA | NA | 100 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/2796277/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.