Bank Comparison
Second Federal Savings & Loan Association of Philadelphia vs Home Savings Bank of Wapakoneta
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 · 4
winning metrics across 15 comparable rows
Capital adequacy
| Metric | Second Federal Savings & Loan Association of Philadelphia | Home Savings Bank of Wapakoneta |
|---|---|---|
| CET1 Ratio | 23.34% | — |
| Tier 1 Capital Ratio | 23.34% | — |
| Total Capital Ratio | 24.59% | — |
| Tier 1 Leverage Ratio | 16.35% | 12.79% |
| Equity / Assets | 16.47% | 11.83% |
Profitability
| Metric | Second Federal Savings & Loan Association of Philadelphia | Home Savings Bank of Wapakoneta |
|---|---|---|
| Return on Assets (ROA) | 0.65% | 0.26% |
| Return on Equity (ROE) | 3.97% | 2.11% |
| Net Interest Margin (NIM) | 3.75% | 3.63% |
| Yield on Earning Assets | 6.88% | 5.20% |
| Cost of Funds | 3.64% | 1.76% |
Asset quality
| Metric | Second Federal Savings & Loan Association of Philadelphia | Home Savings Bank of Wapakoneta |
|---|---|---|
| Texas Ratio | 0.00% | 0.00% |
| 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% | 0.73% |
Balance sheet
| Metric | Second Federal Savings & Loan Association of Philadelphia | Home Savings Bank of Wapakoneta |
|---|---|---|
| Total Assets | $43,579K | $43,355K |
| Total Deposits | $24,159K | $35,331K |
| Total Loans | $36,966K | $36,608K |
| Total Equity | $7,177K | $5,129K |
| Net Income (quarter) | $71 | $27 |
Liquidity & funding
| Metric | Second Federal Savings & Loan Association of Philadelphia | Home Savings Bank of Wapakoneta |
|---|---|---|
| Loan-to-Deposit Ratio | 153.01% | 103.61% |
| Core Deposit Ratio | 85.91% | 96.02% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Second Federal Savings & Loan Association of Philadelphia | Home Savings Bank of Wapakoneta |
|---|---|---|
| Headquarters City | PHILADELPHIA | WAPAKONETA |
| Headquarters State | PA | OH |
| Asset Tier | Micro | Micro |
| Charter Class | 703776 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 4 | 7 |
| Established | Jan. 1, 1924, midnight | Nov. 24, 1941, 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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