Phoenixville Federal Bank and Trust
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Data as of · sourced from FFIEC call reports. How we update
Phoenixville Federal Bank and Trust is an FDIC-insured savings bank headquartered in Phoenixville, PA, established in 1911 (FDIC certificate 29995), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $648.0M, up 0.6% from Q2 2025, the 58th largest of 109 banks headquartered in Pennsylvania. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.62% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 29995
- Headquarters
- Phoenixville, PA
- Established
- 1911
- Total assets, Q2 2026
- $648.0M
- Assets vs Q2 2025
- +0.6%
- Tier 1 leverage ratio, Q2 2026
- 12.62%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 231374916
- Latest call report
- Q2 2026, FFIEC 051 · Phoenixville Federal Bank and Trust call report
- Asset rank in state
- 58th of 109 in Pennsylvania
Problem loans are rising at Phoenixville Federal Bank and Trust. Based in Phoenixville, Pennsylvania, it had $648 million in assets at June 30, 2026. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.25% of loans from 0.75% a year earlier. It shrank its loan book 2.4% over the year, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 5.5%). It also returns 7.1% a year on shareholders' equity, lower than about three-quarters of banks its size (median 12.5%).
Earnings jumped: net income for the quarter was $1.3 million, 32% above the same quarter a year earlier. Over the same year, loans shrank 2.4% and deposits grew 3.4%. Its margin is thin by comparison: it keeps 3.36 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, Phoenixville Federal Bank and Trust reported a return on assets of 0.83%, a nonperforming-loan ratio of 1.25% and a Texas ratio of 7.58%. The figures come from its call report filed with the FFIEC.
Phoenixville Federal Bank and Trust ranks as the 58th largest of the 109 banks based in Pennsylvania, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 1.0% to $648.0M, loans rose 1.1% and deposits were flat. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 54.3% of total loans, ahead of non-owner-occupied commercial real estate loans at 19.8%. Its 7 offices in the FDIC Summary of Deposits are in 5 cities in PA; its Kimberton office books 32% of its branch deposits. Judged on its Q2 2026 call report, Phoenixville Federal Bank and Trust meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 564 Nutt Rd, Phoenixville, PA 19460
- County
- Chester
- Metro Area
- Philadelphia-Camden-Wilmington, Pa-NJ-De-MD
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1911
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 82
- Domestic deposits
- $559.1M
- Allowance for credit losses
- $5.6M
- Net charge-offs (YTD)
- $5K
- Average total assets
- $647.7M
- Average total loans
- $491.5M
- Average interest-bearing deposits
- $473.8M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29995
- Fed RSSD
- 824671
- Website
- www.phoenixfed.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, Phoenixville Federal Bank and Trust reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Phoenixville Federal Bank and Trust's total assets moved between a low of $635.2M (Q3 2025) and a high of $661.6M (Q2 2024) 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
$648.0M total assets against $644.4M; $571.2M total liabilities against $573.4M.
$493.3M net loans and leases against $505.5M; $559.1M total deposits against $540.6M.
$62.6M securities against $69.7M; $54.3M cash and balances due against $30.2M.
$7.2M total interest income against $7.0M; $2.1M total interest expense against $2.4M.
$5.1M net interest income against $4.7M.
$1.0M total noninterest income against $955K; $4.3M total noninterest expense against $4.3M.
$0 provision for credit losses against $0.
$1.3M net income against $1.0M.
0.83% return on assets against 0.63%; 3.36% net interest margin against 3.05%.
12.62% tier 1 leverage ratio against 11.86%.
Inside the full Phoenixville Federal Bank and Trust terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freePhoenixville Federal Bank and Trust rankings
Its closest position to the top of a national ranking is 877 of 3,640, for Texas Ratio; its furthest is 2,839 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.52% (Q3 2024) to 0.91% (Q3 2025) and its net interest margin ran from 2.80% (Q3 2024) to 3.36% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.62% | 0.83% | 1.25% | 7.58% | 3.36% |
| Q1 2026 | 12.36% | 0.71% | 1.25% | 7.56% | 3.13% |
| Q4 2025 | 12.35% | 0.68% | 1.40% | 8.74% | 3.14% |
| Q3 2025 | 12.16% | 0.91% | 0.77% | 4.93% | 3.09% |
| Q2 2025 | 11.86% | 0.63% | 0.75% | 5.02% | 3.05% |
| Q1 2025 | 11.50% | 0.53% | 0.80% | 5.34% | 2.85% |
| Q4 2024 | 11.35% | 0.59% | 0.77% | 5.32% | 2.82% |
| Q3 2024 | 11.16% | 0.52% | 0.69% | 4.78% | 2.80% |
Swipe the table sideways to see every column.
Branch Network
View all 7 branches → 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 |
|---|---|---|---|
| Pikeland Branch | Kimberton , PA | 19442 | $176.5M |
| Phoenixville Federal Bank and Trust (main office) | Phoenixville , PA | 19460 | $157.3M |
| Collegeville Branch | Collegeville , PA | 19426 | $89.2M |
| Royersford Branch | Royersford , PA | 19468 | $87.1M |
| Limerick Branch | Limerick , PA | 19468 | $42.8M |
| Phoenixfed.Com Branch | Phoenixville , PA | 19460 | $6.3M |
| Admin Lending Office Branch | Phoenixville , PA | 19460 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 3 against the institution (OCC, OCC (former OTS))
- January 20, 2011, OCC (former OTS): Termination of Supervisory Agreement: Phoenixville Federal Bank & Trust
- December 30, 2010, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Phoenixville Federal Bank and Trust
- December 8, 2009, OCC (former OTS): Supervisory Agreement: Phoenixville Federal Bank and Trust
- Period: Most recent institution action January 20, 2011. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in PA, rank 77 of 145 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $338K approved, $338K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), 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 Phoenixville Federal Bank and Trust
What are Phoenixville Federal Bank and Trust's total assets?
As of the Q2 2026 filing, Phoenixville Federal Bank and Trust reported total assets of $648.0 million in its FFIEC call report.
Where is Phoenixville Federal Bank and Trust headquartered?
It is headquartered in Phoenixville, PA, United States.
When was Phoenixville Federal Bank and Trust founded?
It was established in 1911, per the FDIC institution directory.
Is Phoenixville Federal Bank and Trust FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #29995). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Phoenixville Federal Bank and Trust?
Phoenixville Federal Bank and Trust's primary federal regulator is the FDIC.
How many branches does Phoenixville Federal Bank and Trust operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Phoenixville Federal Bank and Trust's Texas Ratio?
Its Texas Ratio is 7.58% 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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