Dedicated to Deposits: Deals, Data, and Discussion
Featured Savings Rates
Featured Accounts
Overview / Commentary
610-933-1171
564 Nutt Road
Phoenixville, PA 19460

Phoenixville Federal Bank and Trust is headquartered in Phoenixville and is the 89th largest bank in the state of Pennsylvania. It is also the 1,699th largest bank in the nation. It was established in 1911 and as of December of 2013, it had grown to 82 employees at 6 locations. Phoenixville Federal Bank and Trust has a C+ health rating.

Related Posts



No reviews have been left for this bank yet. Be the first to review.



Health

Data for Q4 2013

Institution Health

C+

Texas Ratio

GRADE:
C+

The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Phoenixville Federal Bank and Trust had $13.53 million in non-current loans and owned real-estate with $48.26 million in equity and loan loss allowances on hand to cover it. This gives Phoenixville Federal Bank and Trust a Texas Ratio of 28.04% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C-

The Texas Ratio for Phoenixville Federal Bank and Trust increased slightly from 21.93% as of December 31, 2012 to 28.04% as of December 31, 2013, resulting in a negative change of 27.85%. This indicates that the balance sheet and financial strength for Phoenixville Federal Bank and Trust has declined slightly in recent periods.

Deposit Growth

GRADE:
C-

In the past year, Phoenixville Federal Bank and Trust has decreased its total deposits by -$9.82 million, resulting in -2.78% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Phoenixville Federal Bank and Trust has shown is below average.

Capitalization

GRADE:
A+

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Phoenixville Federal Bank and Trust has $388.17 million in assets with $48.26 million in equity, resulting in a capitalization level of 12.43%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #29995
Year Established1911
Employees82
Primary RegulatorOCC
Assets and Liabilities
Assets$388.17 million
Loans$240.46 million
Deposits$342.80 million
Equity Capital$43.24 million
Loan Loss Allowance$5.02 million
Unbacked Noncurrent Loans$12.37 million
Real Estate Owned$1.16 million
Historic Data - December 2012
Assets$400.33 million
Equity Capital$44.89 million
Loan Loss Allowance$5.83 million
Unbacked Noncurrent Loans$12.37 million
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin3.44%
Return on Assets0.14%
Return on Equity1.22%
Interest Income$14.55 million
Rates

Always verify rates and promotions with the bank or credit union. We are not Phoenixville Federal Bank and Trust, we are a rate comparison website and can not provide official rates or promotions.

Phoenixville Federal Bank and Trust Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.20%$20-Senior Gold Savings
0.15%$100-Passbook Savings
0.15%$100-Statement Savings
0.15%$20-Children's Savings Club
0.15%$20-IRA Statement Savings

Phoenixville Federal Bank and Trust Money Market Rates

DetailsAPYMINMAXPRODUCT
0.35%$150k-Phoenix Money Market

Phoenixville Federal Bank and Trust Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.20%$2,500-Premium Interest
0.05%$25-50 N' Better
0.05%$25-Direct Free Interest

Phoenixville Federal Bank and Trust CD Rates

DetailsAPYMINMAXPRODUCT
1.35%$500-49 - 60 Month Growth CD
1.30%$5k-60 Month Income CD
1.05%$1k-39 Month CD Special
0.85%$1k-27 Month CD Special
0.85%$500-31 - 48 Month Growth CD
0.80%$5k-30 Month Income CD
0.55%$500-19 - 30 Month Growth CD
0.50%$1k-14 Month CD Special
0.45%$500-13 - 18 Month Growth CD
0.40%$5k-18 Month Income CD
0.30%$500-7 - 12 Month Growth CD
0.30%$5k-12 Month Income CD
0.20%$10k-2 Month CD Special
0.15%$500-3 - 6 Month Growth CD
0.10%$5k-6 Month Income CD

Phoenixville Federal Bank and Trust IRA Rates

DetailsAPYMINMAXPRODUCT
1.35%$500-49 - 60 Month IRA CD
0.85%$500-31 - 48 Month IRA CD
0.55%$500-19 - 30 Month IRA CD
0.45%$500-13 - 18 Month IRA CD
0.30%$500-7 - 12 Month IRA CD
0.15%$500-3 - 6 Month IRA CD
Locations


Phoenixville Federal Bank and Trust Locations
Limerick Branch473 West Ridge PikeLimerick, PA 19468
Pikeland Branch533 Kimberton RoadKimberton, PA 19442
Admin Lending Office Branch564 Nutt RdPhoenixville, PA 19460
Phoenixville Federal Bank and Trust564 Nutt RoadPhoenixville, PA 19460
Royersford Branch70 North Lewis RdRoyersford, PA 19468
Collegeville Branch74 Second AvenueCollegeville, PA 19426