Second Federal Savings & Loan Association of Philadelphia: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Yield on securities climbed 1.57 percentage points in Q2 2026, from 3.38% to 4.95%. It was the largest change from Q1 2026 among the key lines here. Second Federal Savings & Loan Association of Philadelphia ranks 12th of 109 Pennsylvania banks on net interest margin, in the upper half at 4.31% (Q2 2026). Second Federal Savings & Loan Association of Philadelphia reported 4.31% on net interest margin for Q2 2026, 0.42 points above the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.25% |
| Yield on loans | 7.60% |
| Yield on securities | 4.95% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 5.25% |
| Cost of interest-bearing deposits | 3.88% |
| Cost of interest-bearing liabilities | 3.43% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.31% |
| Yield to cost spread | 3.82% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $708K |
| Total interest expense | $318K |
| Interest expense on deposits | $234K |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.88% | 4.50% | 3.47% | 6.49% | 1.96% |
| Q4 2023 | 6.04% | 5.26% | 3.20% | 6.64% | 1.96% |
| Q1 2024 | 6.13% | 5.51% | 3.15% | 6.61% | 1.96% |
| Q2 2024 | 6.37% | 5.59% | 3.21% | 6.95% | 2.13% |
| Q3 2024 | 6.67% | 5.43% | 3.59% | 7.34% | 3.78% |
| Q4 2024 | 6.48% | 5.18% | 3.52% | 7.07% | 3.64% |
| Q1 2025 | 6.70% | 5.46% | 3.48% | 7.22% | 3.65% |
| Q2 2025 | 6.87% | 5.24% | 3.71% | 7.10% | 4.41% |
| Q3 2025 | 6.81% | 5.39% | 3.63% | 7.17% | 4.05% |
| Q4 2025 | 7.14% | 5.39% | 4.01% | 7.51% | 5.66% |
| Q1 2026 | 6.88% | 5.41% | 3.75% | 7.41% | 3.38% |
| Q2 2026 | 7.25% | 5.25% | 4.31% | 7.60% | 4.95% |
Second Federal Savings & Loan Association of Philadelphia yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Second Federal Savings & Loan Association of Philadelphia, freeSource: Call Report Schedules RI and RC-K, 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)