Second Federal Savings & Loan Association of Philadelphia: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Equity capital to total assets fell 0.58 percentage points from Q1 2026 to Q2 2026, ending at 15.89% against 16.47%. It was the largest change among the key lines on this page. Second Federal Savings & Loan Association of Philadelphia ranks 15th of 72 Pennsylvania banks on CET1 ratio, in the upper half at 23.19% (Q2 2026). The median for banks in the < $100M asset tier is 19.57% on CET1 ratio. Second Federal Savings & Loan Association of Philadelphia sits 3.62 points higher, at 23.19% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 23.19% |
| Tier 1 risk-based capital ratio | 23.19% |
| Total risk-based capital ratio | 24.44% |
| Tier 1 leverage ratio | 16.42% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $7.4M |
| Tier 1 capital | $7.4M |
| Total risk-based capital | $7.8M |
| Total equity capital | $7.3M |
| Risk-weighted assets | $31.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 15.89% |
| Tangible equity to tangible assets | 15.89% |
| Equity capital to average assets | 16.38% |
| Internal capital growth rate | 10.53% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $7.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$15K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 26.00% | 26.00% | 27.25% | 18.21% | $24.9M |
| Q4 2023 | 26.37% | 26.37% | 27.62% | 17.99% | $24.7M |
| Q1 2024 | 24.66% | 24.66% | 25.90% | 17.87% | $26.7M |
| Q2 2024 | 25.77% | 25.77% | 27.02% | 17.23% | $25.8M |
| Q3 2024 | 25.29% | 25.29% | 26.54% | 17.01% | $26.5M |
| Q4 2024 | 25.32% | 25.32% | 26.58% | 16.90% | $26.6M |
| Q1 2025 | 24.80% | 24.80% | 26.06% | 16.99% | $27.4M |
| Q2 2025 | 24.23% | 24.23% | 25.48% | 17.28% | $28.7M |
| Q3 2025 | 24.03% | 24.03% | 25.29% | 16.65% | $29.2M |
| Q4 2025 | 24.22% | 24.22% | 25.47% | 16.40% | $29.3M |
| Q1 2026 | 23.34% | 23.34% | 24.59% | 16.35% | $30.8M |
| Q2 2026 | 23.19% | 23.19% | 24.44% | 16.42% | $31.8M |
Second Federal Savings & Loan Association of Philadelphia regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Second Federal Savings & Loan Association of Philadelphia, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Second Federal Savings & Loan Association of Philadelphia profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29627) · FFIEC NIC profile (RSSD 460275)