Phoenixville Federal Bank and Trust: how it compares with its peers
Against 45 PA banks with half to twice its assets, Phoenixville Federal Bank and Trust's strongest measure in Q2 2026 is assets per employee ($7.9M vs. a $7.5M peer median). Its weakest relative measure is return on assets (0.77% vs. 0.94%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.77% | 0.94% | Middle third Ahead of 36% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.27% | 3.43% | Middle third Ahead of 42% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 71.94% | 64.10% | Middle third Ahead of 38% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.9M | $7.5M | Middle third Ahead of 58% of peers |
| Loans to deposits Net loans and leases over total deposits. | 88.24% | 82.49% | Context |
What it means for lending operations
Its efficiency ratio of 71.94% is above the 64.10% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Reliance Savings Bank Altoona, PA · $649M
- Mauch Chunk Trust Company Jim Thorpe, PA · $643M
- Woodlands Bank Williamsport, PA · $640M
- Quaint Oak Bank Southampton, PA · $631M
- Pennian Bank Mifflintown, PA · $668M
- Slovenian Savings and Loan Association of Canonsburg Strabane, PA · $627M
Questions about Phoenixville Federal Bank and Trust
How big is Phoenixville Federal Bank and Trust?
Phoenixville Federal Bank and Trust, established in 1911, is headquartered in Phoenixville, PA. It reported $648M in total assets in its Q2 2026 FDIC call report and operates 7 offices.
What is Phoenixville Federal Bank and Trust's return on assets?
0.77% annualized in Q2 2026, against a 0.94% median for 45 PA banks with half to twice its assets, ahead of 36% of them.
What is Phoenixville Federal Bank and Trust's efficiency ratio?
71.94% in Q2 2026: it spent about 72 cents in noninterest expense for each dollar of revenue. The peer median is 64.10%, and lower is better.
Is Phoenixville Federal Bank and Trust growing its loans?
Net loans shrank 2.4% over the year to Q2 2026, while deposits grew 3.4%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are PA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Pennsylvania bank ranked.