Second Federal Savings & Loan Association of Philadelphia: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Cash and balances due from depository institutions: 154.2% higher than in Q1 2026, at $3.4M. As of Q2 2026, Second Federal Savings & Loan Association of Philadelphia ranks first in Pennsylvania on loan-to-deposit ratio among 109 banks, at 152.89%. Against a median of 67.62% for banks in the < $100M asset tier, Second Federal Savings & Loan Association of Philadelphia reported 152.89% on loan-to-deposit ratio in Q2 2026, 85.26 points higher.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $3.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $7.9M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $14.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 30.27% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 152.89% |
| Net loans and leases to deposits | 151.14% |
| Loans and leases to core deposits | 175.53% |
| Core deposits to total deposits | 87.10% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 157.99% | 87.80% | $0 | $11.0M |
| Q4 2023 | 158.12% | 86.28% | $0 | $11.0M |
| Q1 2024 | 152.81% | 85.13% | $0 | $11.0M |
| Q2 2024 | 140.37% | 79.71% | $0 | $11.1M |
| Q3 2024 | 145.27% | 81.02% | $0 | $10.8M |
| Q4 2024 | 139.93% | 83.91% | $0 | $10.8M |
| Q1 2025 | 141.86% | 80.86% | $0 | $9.3M |
| Q2 2025 | 146.32% | 80.08% | $0 | $10.5M |
| Q3 2025 | 146.75% | 79.16% | $0 | $11.8M |
| Q4 2025 | 143.41% | 86.20% | $0 | $11.8M |
| Q1 2026 | 153.01% | 85.91% | $0 | $11.8M |
| Q2 2026 | 152.89% | 87.10% | $0 | $14.0M |
Second Federal Savings & Loan Association of Philadelphia liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Second Federal Savings & Loan Association of Philadelphia, freeSource: Call Report Schedules RC and RC-M, 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)