Side-by-side · Q2 2026 data
Mercer County State Bank vs Phoenixville Federal Bank and Trust
Bank
Phoenixville Federal Bank and Trust
Phoenixville, Pennsylvania · $100 million – $1 billion
Metric by metric
| Measure | Mercer County State Bank | Phoenixville Federal Bank and Trust |
|---|---|---|
| TellerScore | 52 | 67 (stronger) |
| Capital cushion | 53 | 76 (stronger) |
| Loan quality | 19 | 58 (stronger) |
| Earnings | 64 (stronger) | 51 |
| Funding & liquidity | 79 (stronger) | 72 |
| Problem-loan coverage | 62 | 85 (stronger) |
| Peer percentile | 8th | 34th |
| Total assets | $611.3M | $648.0M |
| Deposits / shares | $530.3M | $559.1M |
| Capital ratio | 10.27% | 12.62% (stronger) |
| Problem loans | 2.42% | 1.25% (stronger) |
| Net charge-offs | 0.04% | 0.00% (stronger) |
| Return on assets | 1.09% (stronger) | 0.77% |
| Loans ÷ deposits | 75.7% (stronger) | 88.2% |
| Uninsured deposits | 20.1% | 13.9% (stronger) |
| Offices | 11 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 24.1% | 13.8% |
Phoenixville Federal Bank and Trust has the higher TellerScore (67 vs 52). On the 7 directional measures above (where higher or lower is clearly better), Mercer County State Bank leads on 2 and Phoenixville Federal Bank and Trust on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.