The Philadelphia Trust Company: how it compares with its peers
Against 218 U.S. banks with half to twice its assets, The Philadelphia Trust Company's strongest measure in Q2 2026 is return on assets (14.18% vs. a 0.94% peer median). Its weakest relative measure is assets per employee ($1.3M vs. $5.3M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 14.18% | 0.94% | Top third Ahead of 93% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.07% | 3.82% | Bottom third Ahead of 22% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 63.83% | 77.26% | Top third Ahead of 78% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $1.3M | $5.3M | Bottom third Ahead of 10% of peers |
| Loans to deposits Net loans and leases over total deposits. | 105.70% | 60.40% | Context |
What it means for lending operations
Its efficiency ratio of 63.83% is better than the 77.26% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Brazos National Bank Richwood, TX · $28M
- American Trust and Savings Bank Lowden, IA · $28M
- Milford Building and Loan Association Milford, IL · $28M
- The Liberty Savings Association, FSA Fort Scott, KS · $28M
- Andes State Bank Lake Andes, SD · $28M
- State Bank of Easton Easton, MN · $28M
Questions about The Philadelphia Trust Company
How big is The Philadelphia Trust Company?
The Philadelphia Trust Company, established in 1999, is headquartered in Philadelphia, PA. It reported $28M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is The Philadelphia Trust Company's return on assets?
14.18% annualized in Q2 2026, against a 0.94% median for 218 U.S. banks with half to twice its assets, ahead of 93% of them.
What is The Philadelphia Trust Company's efficiency ratio?
63.83% in Q2 2026: it spent about 64 cents in noninterest expense for each dollar of revenue. The peer median is 77.26%, and lower is better.
Is The Philadelphia Trust Company growing its loans?
Net loans shrank 19.3% over the year to Q2 2026, while deposits grew 8.2%.
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 U.S. 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.