Phoenixville Federal Bank and Trust: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Phoenixville Federal Bank and Trust of Phoenixville, PA against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.83% | 1.35% | -0.52% | 24th bottom |
| ROAE | 7.06% | 12.06% | -5.00% | 21st bottom |
| Net Interest Margin | 3.36% | 3.90% | -0.54% | 22nd bottom |
| Efficiency Ratio | 70.20% | 63.15% | +7.05% | 28th below |
| PPNR / Avg Assets | 1.12% | 1.64% | -0.52% | 25th below |
| Yield on Earning Assets | 4.71% | 5.65% | -0.94% | 14th bottom |
| Cost of Funds | 1.49% | 1.85% | -0.36% | 70th above |
| Net Interest Spread | 3.02% | 3.35% | -0.33% | 34th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.25% | 0.92% | +0.33% | 23rd bottom |
| NPA / Total Assets | 0.96% | 0.67% | +0.29% | 21st bottom |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 1.12% | 1.28% | -0.16% | 40th below |
| ACL / NPLs (Coverage) | 89.37% | 1645.80% | -1556.43% | 24th bottom |
| Texas Ratio | 7.58% | 7.15% | +0.43% | 29th below |
| Provision / NCO | -60.00% | 1189.96% | -1249.96% | 5th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.62% | 12.46% | +0.16% | 72nd above |
| Equity / Assets | 11.86% | 11.67% | +0.19% | 70th above |
| TCE / Tangible Assets | 11.86% | 11.40% | +0.46% | 72nd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 89.24% | 78.64% | +10.60% | 30th below |
| Core Deposit Ratio | 94.10% | 87.09% | +7.01% | 80th top |
| Wholesale Funding Ratio | 0.93% | 5.12% | -4.19% | 82nd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.56% | 6.48% | -5.92% | 23rd bottom |
| Loan Growth (Y/Y) | -2.44% | 7.64% | -10.08% | 14th bottom |
| Deposit Growth (Y/Y) | 3.41% | 6.02% | -2.61% | 46th below |
See Phoenixville Federal Bank and Trust's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Phoenixville Federal Bank and Trust, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Phoenixville Federal Bank and Trust profile, how to read a UBPR, or how this data updates.