Second Federal Savings & Loan Association of Philadelphia: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 4.71 percentage points higher than in Q1 2026, at 175.28%. 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%. Second Federal Savings & Loan Association of Philadelphia's loan-to-deposit ratio of 152.89% is well above the 67.62% median for banks in the < $100M asset tier, a gap of 85.26 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $37.5M |
| Net loans and leases | $37.1M |
| Loans held for sale | $0 |
| Loans to total assets | 81.12% |
| Loan-to-deposit ratio | 152.89% |
| Net loans to equity capital | 5.05% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 21.13% |
| Multifamily (5+ residential) | 11.67% |
| Commercial and industrial | 0.34% |
| Consumer | 0.93% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 175.28% |
| Construction concentration (Tier 1 capital + allowance) | 15.79% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.73% |
| Interest income on loans | $708K |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $29.1M | $18.4M | 12.47% | 2.52% | 0.95% |
| Q4 2023 | $29.0M | $18.4M | 12.46% | 2.37% | 0.79% |
| Q1 2024 | $31.4M | $20.5M | 11.49% | 2.05% | 0.73% |
| Q2 2024 | $30.0M | $21.4M | 11.57% | 1.96% | 0.18% |
| Q3 2024 | $31.5M | $21.7M | 12.72% | 1.66% | 0.56% |
| Q4 2024 | $31.2M | $22.3M | 16.34% | 1.54% | 1.36% |
| Q1 2025 | $32.5M | $22.9M | 22.09% | 1.35% | 1.61% |
| Q2 2025 | $34.3M | $23.5M | 20.80% | 1.15% | 1.52% |
| Q3 2025 | $35.0M | $23.9M | 20.97% | 0.75% | 2.25% |
| Q4 2025 | $35.4M | $24.7M | 20.63% | 0.64% | 1.08% |
| Q1 2026 | $37.0M | $24.2M | 19.66% | 0.52% | 1.08% |
| Q2 2026 | $37.5M | $24.5M | 21.13% | 0.34% | 0.93% |
Second Federal Savings & Loan Association of Philadelphia loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Second Federal Savings & Loan Association of Philadelphia, freeSource: Call Report Schedule RC-C, 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)