Second Federal Savings & Loan Association of Philadelphia
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Data as of · sourced from FFIEC call reports. How we update
Second Federal Savings & Loan Association of Philadelphia is an FDIC-insured savings institution headquartered in Philadelphia, PA, supervised by the OCC, with $46.3M in total assets at Q2 2026, up 12.3% from Q2 2025, the 107th largest of 109 banks headquartered in Pennsylvania. It was established in 1924 and holds FDIC certificate 29627. Its CET1 capital ratio was 23.19% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 29627
- Headquarters
- Philadelphia, PA
- Established
- 1924
- Total assets, Q2 2026
- $46.3M
- Assets vs Q2 2025
- +12.3%
- CET1 ratio, Q2 2026
- 23.19%
- Domestic offices
- 1 · Second Federal Savings & Loan Association of Philadelphia branches FDIC institution directory, current count
- Routing number
- 236072378
- Safety and soundness
- Is Second Federal Savings & Loan Association of Philadelphia safe?
- Latest call report
- Q2 2026, FFIEC 051 · Second Federal Savings & Loan Association of Philadelphia call report
- Asset rank in state
- 107th of 109 in Pennsylvania
Second Federal Savings & Loan Association of Philadelphia pays more for its money than most banks of its size. Its balance sheet stood at $46 million at June 30, 2026, up 12.3% from a year earlier; it is based in Philadelphia, Pennsylvania. It pays an average of 5.25% on its deposits and borrowings, 3.4 times the median of 1.53% for the 533 banks with less than $100 million in assets. It also holds commercial real estate loans worth 1.8 times its capital, 5.8 times the median of 30% for banks its size.
Net income for the quarter rose 27% from a year earlier, to $189,000. Over the same year, loans grew 9.3% and deposits grew 4.6%.
As of June 30, 2026, Second Federal Savings & Loan Association of Philadelphia reported a CET1 capital ratio of 23.19%, a return on assets of 1.68%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 109 banks headquartered in Pennsylvania, Second Federal Savings & Loan Association of Philadelphia is the 107th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 6.1% to $46.3M, loans rose 1.5% and deposits rose 1.6%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 63.3% of total loans, ahead of non-owner-occupied commercial real estate loans at 21.3%. The FDIC Summary of Deposits lists a single office for it, in Philadelphia, PA. By the capital ratios in its Q2 2026 call report, Second Federal Savings & Loan Association of Philadelphia meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1727 Chestnut St, Philadelphia, PA 19103
- County
- Philadelphia
- Metro Area
- Philadelphia-Camden-Wilmington, Pa-NJ-De-MD
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1924
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 4
- Domestic deposits
- $24.5M
- Allowance for credit losses
- $428K
- Net charge-offs (YTD)
- $0
- Average total assets
- $44.9M
- Average total loans
- $36.6M
- Average interest-bearing deposits
- $24.0M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29627
- Fed RSSD
- 460275
- Website
- www.secondfed.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Second Federal Savings & Loan Association of Philadelphia's total assets moved between a low of $36.0M (Q3 2023) and a high of $46.3M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$46.3M total assets against $41.2M; $38.9M total liabilities against $34.3M.
$37.1M net loans and leases against $34.0M; $24.5M total deposits against $23.5M.
$4.5M securities against $4.4M; $3.4M cash and balances due against $1.9M.
$784K total interest income against $658K; $318K total interest expense against $302K.
$466K net interest income against $356K.
$11K total noninterest income against $6K; $247K total noninterest expense against $198K.
-$22K provision for credit losses against -$44K.
$189K net income against $149K.
1.68% return on assets against 1.48%; 4.31% net interest margin against 3.71%.
23.19% CET1 capital ratio against 24.23%; 16.42% tier 1 leverage ratio against 17.28%.
Inside the full Second Federal Savings & Loan Association of Philadelphia terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Second Federal Savings & Loan Association of Philadelphia rankings
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.27% (Q4 2024) to 1.68% (Q2 2026) and its net interest margin ran from 3.48% (Q1 2025) to 4.31% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 23.19% | 1.68% | 0.00% | 0.00% | 4.31% |
| Q1 2026 | 23.34% | 0.65% | 0.00% | 0.00% | 3.75% |
| Q4 2025 | 24.22% | 0.84% | 0.00% | 0.00% | 4.01% |
| Q3 2025 | 24.03% | 0.66% | 0.00% | 0.00% | 3.63% |
| Q2 2025 | 24.23% | 1.48% | 0.00% | 0.00% | 3.71% |
| Q1 2025 | 24.80% | 0.73% | 0.00% | 0.00% | 3.48% |
| Q4 2024 | 25.32% | 0.27% | 0.00% | 0.00% | 3.52% |
| Q3 2024 | 25.29% | 0.51% | 0.00% | 0.00% | 3.59% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Second Federal Savings and Loan Association of Philadelphia | Philadelphia , PA | 19103 | $24.5M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| August 22, 2026 | Structure Change | Acquired Tioga-Franklin Savings Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| August 21, 2026 | Merger | Participated in FDIC Assisted Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in PA, rank 141 of 145 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Second Federal Savings & Loan Association of Philadelphia
What are Second Federal Savings & Loan Association of Philadelphia's total assets?
As of the Q2 2026 filing, Second Federal Savings & Loan Association of Philadelphia reported total assets of $46.3 million in its FFIEC call report.
Where is Second Federal Savings & Loan Association of Philadelphia headquartered?
It is headquartered in Philadelphia, PA, United States.
When was Second Federal Savings & Loan Association of Philadelphia founded?
It was established in 1924, per the FDIC institution directory.
Is Second Federal Savings & Loan Association of Philadelphia FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #29627). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Second Federal Savings & Loan Association of Philadelphia?
Second Federal Savings & Loan Association of Philadelphia's primary federal regulator is the OCC.
What is Second Federal Savings & Loan Association of Philadelphia's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 23.19% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Second Federal Savings & Loan Association of Philadelphia operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Second Federal Savings & Loan Association of Philadelphia's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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