The Philadelphia Trust Company: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 23.18 percentage points higher than in Q1 2026, at 107.76%. On return on assets, The Philadelphia Trust Company ranks 2nd highest among the 109 banks headquartered in Pennsylvania, at 17.09% (Q2 2026). The Philadelphia Trust Company's return on assets of 17.09% is well above the 0.98% median for banks in the < $100M asset tier, a gap of 16.10 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 71.82% |
| Equity capital to assets | 71.13% |
| Tangible equity to tangible assets | 71.13% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.91% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 17.09% |
| Return on equity | 24.12% |
| Net interest margin | 3.45% |
| Efficiency ratio | 59.90% |
| Yield on earning assets | 4.51% |
| Cost of funds | 3.77% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 107.76% |
| Core deposits to total deposits | 100.00% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 21.78% |
| Securities to assets | 50.57% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 71.01% | 8.50% | 2.84% | 0.00% | 0.00% |
| Q4 2023 | 68.96% | 13.44% | 3.75% | 0.00% | 0.00% |
| Q1 2024 | 72.99% | 9.49% | 2.87% | 0.00% | 0.00% |
| Q2 2024 | 70.06% | 9.89% | 2.67% | 0.00% | 0.00% |
| Q3 2024 | 71.53% | 15.80% | 3.97% | 0.00% | 0.00% |
| Q4 2024 | 68.80% | 15.73% | 3.99% | 0.00% | 0.00% |
| Q1 2025 | 71.72% | 10.94% | 4.07% | 0.00% | 0.00% |
| Q2 2025 | 71.95% | 13.03% | 3.61% | 0.00% | 0.00% |
| Q3 2025 | 72.05% | 15.13% | 4.37% | 0.00% | 0.00% |
| Q4 2025 | 69.09% | 14.64% | 2.71% | 0.00% | 0.00% |
| Q1 2026 | 69.09% | 11.36% | 2.69% | 0.00% | 0.00% |
| Q2 2026 | 71.82% | 17.09% | 3.45% | 0.00% | 0.00% |
The Philadelphia Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Philadelphia Trust Company, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)