Second Federal Savings & Loan Association of Philadelphia: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Deposits to assets dropped 2.38 percentage points in Q2 2026, from 55.44% to 53.06%. It was the largest change from Q1 2026 among the key lines here. Second Federal Savings & Loan Association of Philadelphia ranks 16th of 109 Pennsylvania banks on return on assets, in the upper half at 1.68% (Q2 2026). Against a median of 0.98% for banks in the < $100M asset tier, Second Federal Savings & Loan Association of Philadelphia reported 1.68% on return on assets in Q2 2026, 0.70 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 23.19% |
| Tier 1 risk-based capital ratio | 23.19% |
| Total risk-based capital ratio | 24.44% |
| Tier 1 leverage ratio | 16.42% |
| Equity capital to assets | 15.89% |
| Tangible equity to tangible assets | 15.89% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.14% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.68% |
| Return on equity | 10.41% |
| Net interest margin | 4.31% |
| Efficiency ratio | 51.78% |
| Yield on earning assets | 7.25% |
| Cost of funds | 5.25% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 152.89% |
| Core deposits to total deposits | 87.10% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 53.06% |
| Securities to assets | 9.72% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 26.00% | 26.00% | 27.25% | 18.21% | 1.05% |
| Q4 2023 | 26.37% | 26.37% | 27.62% | 17.99% | 0.35% |
| Q1 2024 | 24.66% | 24.66% | 25.90% | 17.87% | 0.76% |
| Q2 2024 | 25.77% | 25.77% | 27.02% | 17.23% | 0.70% |
| Q3 2024 | 25.29% | 25.29% | 26.54% | 17.01% | 0.51% |
| Q4 2024 | 25.32% | 25.32% | 26.58% | 16.90% | 0.27% |
| Q1 2025 | 24.80% | 24.80% | 26.06% | 16.99% | 0.73% |
| Q2 2025 | 24.23% | 24.23% | 25.48% | 17.28% | 1.48% |
| Q3 2025 | 24.03% | 24.03% | 25.29% | 16.65% | 0.66% |
| Q4 2025 | 24.22% | 24.22% | 25.47% | 16.40% | 0.84% |
| Q1 2026 | 23.34% | 23.34% | 24.59% | 16.35% | 0.65% |
| Q2 2026 | 23.19% | 23.19% | 24.44% | 16.42% | 1.68% |
Second Federal Savings & Loan Association of Philadelphia vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Second Federal Savings & Loan Association of Philadelphia, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)