Second Federal Savings & Loan Association of Philadelphia: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Second Federal Savings & Loan Association of Philadelphia of Philadelphia, PA against its peer group of 536 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 1.68% | 3.33% | -1.65% | 75th top |
| ROAE | 10.41% | 8.28% | +2.13% | 60th above |
| Net Interest Margin | 4.31% | 3.92% | +0.39% | 69th above |
| Efficiency Ratio | 51.78% | 84.52% | -32.74% | 85th top |
| PPNR / Avg Assets | 2.05% | 1.56% | +0.49% | 81st top |
| Yield on Earning Assets | 7.25% | 5.24% | +2.01% | 95th top |
| Cost of Funds | 5.25% | 1.67% | +3.58% | 0th bottom |
| Net Interest Spread | 3.82% | 3.30% | +0.52% | 71st above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.42% | -1.42% | 83rd top |
| NPA / Total Assets | 0.00% | 0.71% | -0.71% | 81st top |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 53rd above |
| ACL / Total Loans | 1.14% | 1.53% | -0.39% | 41st below |
| Texas Ratio | 0.00% | 8.57% | -8.57% | 84th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 23.19% | 127.06% | -103.87% | 54th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 23.19% | 127.08% | -103.89% | 54th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 24.44% | 127.96% | -103.52% | 54th above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 16.42% | 22.09% | -5.67% | 72nd above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 15.89% | 20.73% | -4.84% | 71st above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 15.89% | 20.48% | -4.59% | 72nd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 152.89% | 74.13% | +78.76% | 1st bottom |
| Core Deposit Ratio | 87.10% | 88.31% | -1.21% | 29th below |
| Wholesale Funding Ratio | 30.27% | 5.19% | +25.08% | 0th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 12.31% | 3.81% | +8.50% | 90th top |
| Loan Growth (Y/Y) | 9.27% | 6.84% | +2.43% | 76th top |
| Deposit Growth (Y/Y) | 4.58% | 2.97% | +1.61% | 64th above |
See Second Federal Savings & Loan Association of Philadelphia's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Second Federal Savings & Loan Association of Philadelphia, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Second Federal Savings & Loan Association of Philadelphia profile, how to read a UBPR, or how this data updates.