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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

6.05%Q2 ’246.55%Q2 ’256.99%Q2 ’26+16%+17%

Non-interest income vs. expense

2.00%Q2 ’241.97%Q2 ’252.20%Q2 ’260%+10%

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 1.68%, up 20 bps year over year; NIM at 4.15%.
  • 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 (quarter, annualized)

1.68%+20 bps YoY

Net Interest Margin (quarter, annualized)

4.15%+61 bps YoY

Efficiency Ratio (quarter, annualized)

51.78%-291 bps YoY

Tier 1 Leverage Ratio

16.42%-86 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.48%0.66%0.84%0.65%1.68%+20 bps
Return on Equity8.71%4.02%5.15%3.97%10.41%+170 bps
Net Interest Margin3.54%3.45%3.84%3.61%4.15%+61 bps
Efficiency Ratio54.70%65.94%57.38%64.29%51.78%-291 bps
Non-Interest Burden1.91%2.26%2.19%2.29%2.10%+19 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