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Second Federal Savings & Loan Association of Philadelphia

Philadelphia, PA · Cert 29627

State savings bank · OCC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=27 to 31). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

59

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

58

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

58

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Second Federal Savings & Loan Association of Philadelphia

Philadelphia, PA · Cert 29627

State savings bank · OCC · 1 branch

Q2 2026

$46.3MAssets
$37.5MLoans
$24.5MDeposits
$7.3MEquity
Loan mix
98%RE $36.7M1%C&I $0.2M1%Consumer $0.4MQ2 2025Q2 2026
Deposit mix
99%Interest-bearing $24.2M1%Noninterest $0.3MQ2 2025Q2 2026

NIM

5.82%Q2 ’246.46%Q2 ’256.73%Q2 ’26+16%+12%

Non-interest income vs. expense

2.03%Q2 ’242.11%Q2 ’252.26%Q2 ’26+5%+5%

Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2026 SOD (annual) · 0.0% share · #75 of 88 inst. · $0.0B of $685.1B

Executive Summary

  • Earnings: ROA of 1.17%, up 6 bps year over year; NIM at 3.84%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 16.42%, down 86 bps from a year ago.
  • Funding: loans stand at 152.89% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.17%+6 bps YoY

Net Interest Margin (YTD, annualized)

3.84%+42 bps YoY

Efficiency Ratio (YTD, annualized)

57.53%-321 bps YoY

Tier 1 Leverage Ratio

16.42%-86 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.10%0.95%0.92%0.65%1.17%+6 bps
Return on Equity6.55%5.69%5.55%3.97%7.21%+66 bps
Net Interest Margin3.42%3.33%3.39%3.61%3.84%+42 bps
Efficiency Ratio60.74%62.54%61.08%64.29%57.53%-321 bps
Non-Interest Burden2.06%2.06%2.05%2.29%2.17%+11 bps
Growth
Asset Growth (YoY)4.93%9.05%9.50%10.78%12.31%+738 bps
Loan Growth (YoY)14.54%11.30%13.34%13.87%9.27%-527 bps
Deposit Growth (YoY)9.89%10.17%10.59%5.57%4.58%-531 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.09%1.13%1.20%1.22%1.14%+5 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio17.28%16.65%16.40%16.35%16.42%-86 bps
Total Risk-Based Capital25.48%25.29%25.47%24.59%24.44%-104 bps
Equity / Assets16.82%16.30%16.20%16.47%15.89%-93 bps
Liquidity & Funding
Loans / Deposits146.32%146.75%143.41%153.01%152.89%+657 bps
Liquid Assets / Assets3.75%3.66%7.25%2.99%6.94%+319 bps
CRE / Total Capitaln/a174.84%169.01%181.26%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Second Federal Savings & Loan Association of Philadelphia

Philadelphia, PA · Cert 29627 · Peer group: banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=27-31)

State savings bank · OCC · 1 branch

Q2 2026

$46.3MAssets
$37.5MLoans
$24.5MDeposits
$7.3MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 7 of 27).
  • Widest gap: return on equity trails 52% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 16 of 31).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.12%

Rank 15 of 31

Net Interest Margin

3.84%

Rank 8 of 31

Efficiency Ratio

57.53%

Rank 14 of 31

Equity / Assets

15.89%

Rank 14 of 31

Non-interest income vs. expense

$0.0M$1.0MINCOMEEXPENSE
Unfavorable gap of $1.0M · efficiency ratio beats 58% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area
Bank 57.53%Peer median 63.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.12%0.63%0.93%2.39%Beats 52%15 / 31
Return on Equity7.07%4.15%7.07%14.29%Beats 48%16 / 31
Net Interest Margin3.84%2.72%3.26%3.84%Beats 74%8 / 31
Efficiency Ratio57.53%49.04%63.83%80.34%Beats 58%14 / 31
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.24%1.22%Beats 100%7 / 27
Net Charge-Offs / Loans0.00%n/an/a0.01%Beats 100%16 / 27
Capital
Tier 1 Capital Ratio23.19%13.01%19.43%42.39%Beats 61%12 / 31
Total Risk-Based Capital Ratio24.44%13.95%20.55%43.38%Beats 61%12 / 31
Equity / Assets15.89%9.21%12.36%21.28%Beats 55%14 / 31
Liquidity & Funding
Loans / Deposits152.89%52.41%83.15%99.86%97th pctl1 / 31
Loans / Assets81.12%37.80%67.87%79.23%81st pctl6 / 31
Brokered Deposits / Depositsn/aNot reported for this institution