PackageTrendsPeer
Letter portraitLegal landscape

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 75thStandingRank8-Qtr TrendPeer 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