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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 $0.4MQ3 2024Q2 2026
Deposit mix
99%Interest-bearing $24.2M1%Noninterest $0.3MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.65%0.55%0.73%1.10%0.95%0.92%0.65%1.17%+6 bps
Return on Equity3.85%3.29%4.35%6.55%5.69%5.55%3.97%7.21%+66 bps
Net Interest Margin3.09%3.14%3.32%3.42%3.33%3.39%3.61%3.84%+42 bps
Efficiency Ratio64.43%63.96%67.26%60.74%62.54%61.08%64.29%57.53%-321 bps
Non-Interest Burden1.97%1.99%2.22%2.06%2.06%2.05%2.29%2.17%+11 bps
Growth
Asset Growth (YoY)9.74%11.55%2.78%4.93%9.05%9.50%10.78%12.31%+738 bps
Loan Growth (YoY)8.10%7.58%3.54%14.54%11.30%13.34%13.87%9.27%-527 bps
Deposit Growth (YoY)17.57%21.57%11.54%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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.09%1.35%1.29%1.09%1.13%1.20%1.22%1.14%+5 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio17.01%16.90%16.99%17.28%16.65%16.40%16.35%16.42%-86 bps
Total Risk-Based Capital26.54%26.58%26.06%25.48%25.29%25.47%24.59%24.44%-104 bps
Equity / Assets16.86%16.58%17.19%16.82%16.30%16.20%16.47%15.89%-93 bps
Liquidity & Funding
Loans / Deposits145.27%139.93%141.86%146.32%146.75%143.41%153.01%152.89%+657 bps
Liquid Assets / Assets6.49%8.42%2.55%3.75%3.66%7.25%2.99%6.94%+319 bps
CRE / Total Capitaln/an/an/an/a174.84%169.01%181.26%n/an/a