Phoenixville Federal Bank and Trust: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) climbed 2.80 percentage points in Q2 2026, from 162.02% to 164.82%. It was the largest change from Q1 2026 among the key lines here. Phoenixville Federal Bank and Trust ranks 47th of 109 Pennsylvania banks on loan-to-deposit ratio, in the upper half at 89.24% (Q2 2026). Phoenixville Federal Bank and Trust reported 89.24% on loan-to-deposit ratio for Q2 2026, 8.40 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $498.9M |
| Net loans and leases | $493.3M |
| Loans held for sale | $0 |
| Loans to total assets | 76.99% |
| Loan-to-deposit ratio | 89.24% |
| Net loans to equity capital | 6.42% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 29.67% |
| Multifamily (5+ residential) | 6.85% |
| Commercial and industrial | 2.44% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 0.96% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 3.48% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 164.82% |
| Construction concentration (Tier 1 capital + allowance) | 12.60% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $6.2M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $502.5M | $516.3M | 27.74% | 2.57% | 0.00% |
| Q4 2023 | $512.4M | $531.9M | 28.19% | 2.45% | 0.00% |
| Q1 2024 | $518.3M | $524.2M | 28.27% | 2.49% | 0.00% |
| Q2 2024 | $519.1M | $536.2M | 28.55% | 2.48% | 0.00% |
| Q3 2024 | $516.2M | $532.2M | 28.47% | 2.12% | 0.00% |
| Q4 2024 | $512.6M | $536.4M | 27.59% | 2.02% | 0.00% |
| Q1 2025 | $508.9M | $542.9M | 30.39% | 2.04% | 0.00% |
| Q2 2025 | $511.4M | $540.6M | 30.02% | 2.23% | 0.00% |
| Q3 2025 | $505.1M | $539.2M | 29.26% | 2.67% | 0.00% |
| Q4 2025 | $500.0M | $545.4M | 29.26% | 2.51% | 0.00% |
| Q1 2026 | $493.3M | $559.1M | 28.87% | 2.50% | 0.00% |
| Q2 2026 | $498.9M | $559.1M | 29.67% | 2.44% | 0.00% |
Phoenixville Federal Bank and Trust loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Phoenixville Federal Bank and Trust, freeSource: Call Report Schedule RC-C, 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 Phoenixville Federal Bank and Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29995) · FFIEC NIC profile (RSSD 824671)