TellerScore

Phoenixville Federal Bank and Trust (FDIC certificate #29995) is based in Phoenixville, Pennsylvania. Its Q2 2026 call report shows $648.0M in total assets and $559.1M in deposits and 7 offices.

Based on its Q2 2026 filing, Phoenixville Federal Bank and Trust scores 67/100, which we describe as moderate. That is higher than only 34% of 2,650 banks with $100 million – $1 billion. Among 110 banks headquartered in Pennsylvania, it ranks 57th. Its strongest component is problem-loan coverage (85/100; 7.6%), and its lowest is earnings (51/100; 0.77%).

TellerScore · Q2 2026

Scorecard

Capital cushion76/100
Tier 1 leverage ratio: 12.62%
Loan quality58/100
Noncurrent loans ÷ total loans: 1.25%
Earnings51/100
Return on assets (annualized): 0.77%
Funding & liquidity72/100
Loans ÷ deposits and uninsured-deposit share: 88.2% · 13.9% uninsured
Problem-loan coverage85/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 7.58%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (67 → 67).

TellerScore
636669Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202463
Q3 202464
Q4 202465
Q1 202565
Q2 202567
Q3 202569
Q4 202564
Q1 202666
Q2 202667
Tier 1 leverage ratio
5.00%8.81%12.62%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.07%
Q3 202411.16%
Q4 202411.35%
Q1 202511.50%
Q2 202511.86%
Q3 202512.16%
Q4 202512.35%
Q1 202612.36%
Q2 202612.62%
Noncurrent loans
0.69%1.05%1.40%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.80%
Q3 20240.69%
Q4 20240.77%
Q1 20250.80%
Q2 20250.75%
Q3 20250.77%
Q4 20251.40%
Q1 20261.25%
Q2 20261.25%
Return on assets
0.43%0.60%0.77%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.43%
Q3 20240.46%
Q4 20240.49%
Q1 20250.53%
Q2 20250.58%
Q3 20250.69%
Q4 20250.69%
Q1 20260.71%
Q2 20260.77%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202667$648.0M12.62%1.25%0.77%88.2%
Q1 202666$654.4M12.36%1.25%0.71%87.2%
Q4 202564$641.2M12.35%1.40%0.69%90.7%
Q3 202569$635.2M12.16%0.77%0.69%92.7%
Q2 202567$644.4M11.86%0.75%0.58%93.5%
Q1 202565$651.9M11.50%0.80%0.53%92.7%
Q4 202465$655.0M11.35%0.77%0.49%94.5%
Q3 202464$653.2M11.16%0.69%0.46%95.9%
Q2 202463$661.6M11.07%0.80%0.43%95.7%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.62%
71st
Total risk-based capital0.00%
24th
Problem loans1.25%
23rd
Net charge-offs0.00%
56th
Return on assets0.77%
22nd
Net interest margin3.27%
19th
Efficiency ratio71.9%
26th
Loans to deposits88.2%
30th
Uninsured deposits13.9%
85th
Loan-loss reserves1.12%
41st
Texas ratio7.6%
24th

Similar-size banks in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Reliance Savings BankBank Altoona, PA67 out of 100, Moderate$648.9M12.2%0.26%vs
Mauch Chunk Trust CompanyBank Jim Thorpe, PA46 out of 100, Below average$642.8M7.9%1.27%vs
Woodlands BankBank Williamsport, PA44 out of 100, Below average$640.3M8.9%2.68%vs
Quaint Oak BankBank Southampton, PA52 out of 100, Below average$631.5M10.9%1.73%vs
Pennian BankBank Mifflintown, PA55 out of 100, Moderate$667.9M9.2%1.09%vs
Slovenian Savings and Loan Association of CanonsburgBank Strabane, PA73 out of 100, Strong$627.0M16.5%1.99%vs

Deposit insurance

Is my money safe at Phoenixville Federal Bank and Trust?

Yes. Phoenixville Federal Bank and Trust is an FDIC-insured institution (FDIC certificate #29995). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 13.9% of deposits ($77.7M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.62%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

7 locations

Branches

Phoenixville Federal Bank and Trust lists 5 offices in 5 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Phoenixville Federal Bank and Trust reported 91 home-loan applications under HMDA (LEI 549300L4I0NP22SUIE86): 67 originated ($23,165,000 total), 11 denied, and 11 withdrawn or closed by the applicant. Its denial rate on decided applications was 13.8%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Phoenixville Federal Bank and Trust
Former names
Phoenixville Federal Savings and Loan Association
Type
SI
FDIC certificate #
29995
RSSD ID
824671
Primary regulator
FDIC
Established
January 1, 1911
Headquarters
564 Nutt Rd, Phoenixville, PA 19460
Employees
82

Quick answers

Phoenixville Federal Bank and Trust: common questions

Is Phoenixville Federal Bank and Trust FDIC insured?

Yes. Phoenixville Federal Bank and Trust is an FDIC-insured institution (FDIC certificate #29995). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Phoenixville Federal Bank and Trust's TellerScore?

67 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Phoenixville Federal Bank and Trust ever failed?

There is no failure record for FDIC certificate #29995 in the FDIC failed bank list.

How many branches does Phoenixville Federal Bank and Trust have?

7 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Phoenixville

InstitutionScoreAssetsCapitalProblem loansCompare
B. Braun Federal Credit UnionCredit union Allentown, PA100 out of 100, Very strong$1.9M25.1%0.00%vs
Police & Fire Federal Credit UnionCredit union Philadelphia, PA96 out of 100, Very strong$10.2B18.6%0.24%vs
Upper Darby Belltelco Federal Credit UnionCredit union Upper Darby, PA94 out of 100, Very strong$71.6M25.3%0.69%vs
SEI Private Trust CompanyBank Oaks, PA93 out of 100, Very strong$208.5M80.4%0.00%vs
The National Bank of MalvernBank Malvern, PA93 out of 100, Very strong$224.0M16.5%0.10%vs
Holy Trinity Baptist Federal Credit UnionCredit union Philadelphia, PA93 out of 100, Very strong$30K30.3%0.00%vs