# PHILADELPHIA TRUST CO
PHILADELPHIA, PA · FDIC certificate 35075 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $27.7M | |
| Deposits | $6.0M | |
| Loans and leases | $6.5M | |
| Total equity | $19.7M | |
| Loans / deposits | 105.70% (p95 of band) | 73.59% |
| Liquid assets / assets | 60.52% (p88 of band) | |
| Uninsured deposits / deposits | 0.00% (p0 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 71.82% (p96 of band) | 11.76% |
| Unrealized securities loss / equity | -0.15% (p88 of band) | -6.57% |
| AOCI / equity | -0.23% (p58 of band) | |
| ROA (annualized) | 14.18% (p98 of band) | 1.17% |
| Net interest margin | 3.07% (p14 of band) | 3.93% |
| Efficiency ratio | 63.83% (p45 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 15% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 8.2% | |
| Employees | 21 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | NIM <2.5% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | deposits shrinking |  |
| 2012-06 | 3 | assets shrinking |  |
| 2012-09 | 3 |  |  |
| 2012-12 | 3 |  |  |
| 2013-03 | 4 | uninsured deposits leaving |  |
| 2013-06 | 2 |  | assets shrinking, uninsured deposits leaving |
| 2013-09 | 2 |  |  |
| 2013-12 | 3 | loans exceed deposits |  |
| 2014-03 | 3 |  |  |
| 2014-06 | 3 |  |  |
| 2014-09 | 3 |  |  |
| 2014-12 | 2 |  | deposits shrinking |
| 2015-03 | 3 | capital falling |  |
| 2015-06 | 2 |  | capital falling |
| 2015-09 | 2 |  |  |
| 2015-12 | 1 |  | loans exceed deposits |
| 2016-03 | 2 | capital falling |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 1 |  | capital falling |
| 2016-12 | 3 | loans exceed deposits, deposits shrinking |  |
| 2017-03 | 4 | assets shrinking |  |
| 2017-06 | 4 |  |  |
| 2017-09 | 3 | capital falling | deposits shrinking, assets shrinking |
| 2017-12 | 3 |  |  |
| 2018-03 | 2 |  | capital falling |
| 2018-06 | 1 |  | loans exceed deposits |
| 2018-09 | 1 |  |  |
| 2018-12 | 3 | loans exceed deposits, capital falling |  |
| 2019-03 | 1 |  | loans exceed deposits, capital falling |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | deposits shrinking |  |
| 2019-12 | 2 | capital falling | deposits shrinking |
| 2020-03 | 4 | loans exceed deposits, expense ratio p90 |  |
| 2020-06 | 3 |  | expense ratio p90 |
| 2020-09 | 2 |  | capital falling |
| 2020-12 | 3 | assets shrinking |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 2 |  | assets shrinking |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 | capital falling | loans exceed deposits |
| 2022-03 | 3 | loans exceed deposits |  |
| 2022-06 | 2 |  | loans exceed deposits |
| 2022-09 | 1 |  | capital falling |
| 2022-12 | 3 | loans exceed deposits, deposits shrinking |  |
| 2023-03 | 2 |  | NIM <2.5% |
| 2023-06 | 2 |  |  |
| 2023-09 | 1 |  | loans exceed deposits |
| 2023-12 | 1 | loans exceed deposits | deposits shrinking |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 0 |  | loans exceed deposits |
| 2026-03 | 0 |  |  |
| 2026-06 | 1 | loans exceed deposits |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2012-10-02 [At Broad & Arch, Views From A Still Forgotten Tower - Hidden City Philadelphia](https://news.google.com/rss/articles/CBMijgFBVV95cUxPSm0zZkEtVnh1Zk4weFdMSzdaRGhFdnN5YWRJMGRtc2VNNzlIQzZHSGpWTDc5QjRBZkF6Ry1saDRYLUo2bW9SRWwwUElDamZ0TFFiR2FQQWdXY1ZKeVFyVE16QlMyVUcxemE2NldOcy1vOTQ0T09rcXRVc3lhOEZfQUE5QzdidFM5Y3VYeUpn?oc=5) · Hidden City Philadelphia
- 2024-06-27 [Market Street office building sells for a third of its highest price - Inquirer.com](https://news.google.com/rss/articles/CBMivAFBVV95cUxNRnVWaHBzNXlSM2s1d0E2TVdtLWplVFhYMlZGblJuNlZFWkk4V1Z2cW9VQzBmeEdjVm1VaWkzM3lxZ0ZyMk9lM1UyUGpTN0Q4RkFnb0NLdjVmM2o4OGlnOENUR0hwTmJiZ2YzVG5hbWRwWDJJaHo5RjBDcFY1SWN0UG1kdWd2bkI1SHVzUmIxTTgtRXdhcU1ENzBVRU9pYTNBcmlNT09icV94UE9ITWQ3YXRTQzlUTEQ2Sm1Ocg?oc=5) · Inquirer.com
- 2012-06-20 [Joel Harpel Obituary (2012) - Allentown, PA - Morning Call - legacy.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxPY3hvZFBNMGRNb1V3MFhQalpQRC00M1FlRTd0MmtzSy00NkZfTWVqTVJYQUFLdHh1X0NCU1FOXzU5YktiWTRrTTFlWjVpZ0VwSm1HaHROZnEtd3gyTnpNSFJFaVVKM1FmMkFWU2M2YWlLVE9hbmJ5bmpNVzZtWnVsejduZkw1RG8?oc=5) · legacy.com
- 2018-04-25 [Wells Fargo Building on South Broad gets new ownership in $100M deal - Inquirer.com](https://news.google.com/rss/articles/CBMi3gFBVV95cUxPc3hvb0ZRT2JOQjNoSEpKMkRxajI3dnZ0RUhsWC03M1RrU0ozc2dBNnBzek9YNW5acjgzdUZQRnhmQnVSa0M1MEl4VEJUdzAtdk5DNVZIMGR0NlgxZzBHcWZiVFNfbGtDRFdqUjZxVXNmV25xWGxoMUNfZXBsczVwWnBIZ0NGbFhvWHJUWlZWSmM5TzI5MDBVeUhBY3g1S2Voa0E2RjlLNDEwZmpCUlpCaGM2VUwzejdFTXBlaDNrQ0t1eHlaMi1xYUlCSU5pUFhFX1lOamlvazdQci12aHc?oc=5) · Inquirer.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35075 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/3.json (key "35075", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide