Bank Comparison
Second Federal Savings & Loan Association of Philadelphia vs Community State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
Second Federal Savings & Loan Association of Philadelphia
RSSD 460275 · PHILADELPHIA, PA
Full profile →vs
11 · 5
winning metrics across 16 comparable rows
Capital adequacy
| Metric | Second Federal Savings & Loan Association of Philadelphia | Community State Bank |
|---|---|---|
| CET1 Ratio | 23.34% | — |
| Tier 1 Capital Ratio | 23.34% | — |
| Total Capital Ratio | 24.59% | — |
| Tier 1 Leverage Ratio | 16.35% | 10.05% |
| Equity / Assets | 16.47% | 9.49% |
Profitability
| Metric | Second Federal Savings & Loan Association of Philadelphia | Community State Bank |
|---|---|---|
| Return on Assets (ROA) | 0.65% | -4.25% |
| Return on Equity (ROE) | 3.97% | -41.26% |
| Net Interest Margin (NIM) | 3.75% | 3.51% |
| Yield on Earning Assets | 6.88% | 5.33% |
| Cost of Funds | 3.64% | 1.94% |
Asset quality
| Metric | Second Federal Savings & Loan Association of Philadelphia | Community State Bank |
|---|---|---|
| Texas Ratio | 0.00% | 0.17% |
| Non-Performing Loan Ratio | 0.00% | 0.00% |
| Non-Performing Asset Ratio | 0.00% | 0.00% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.22% | 2.28% |
Balance sheet
| Metric | Second Federal Savings & Loan Association of Philadelphia | Community State Bank |
|---|---|---|
| Total Assets | $43,579K | $43,531K |
| Total Deposits | $24,159K | $38,571K |
| Total Loans | $36,966K | $25,168K |
| Total Equity | $7,177K | $4,131K |
| Net Income (quarter) | $71 | $-447 |
Liquidity & funding
| Metric | Second Federal Savings & Loan Association of Philadelphia | Community State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 153.01% | 65.25% |
| Core Deposit Ratio | 85.91% | 88.32% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Second Federal Savings & Loan Association of Philadelphia | Community State Bank |
|---|---|---|
| Headquarters City | PHILADELPHIA | Colon |
| Headquarters State | PA | NE |
| Asset Tier | Micro | Micro |
| Charter Class | 703776 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 1 | 2 |
| Employees (FTE) | 4 | 4 |
| Established | Jan. 1, 1924, midnight | April 28, 1899, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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