Total Assets
$44M
Total balance-sheet footings
FDIC Cert #29627 · Philadelphia, Pennsylvania · Est. 1924
Second Federal Savings and Loan Association of Philadelphia - FDIC Bank Health Profile
A community-scale look at Second Federal Savings and Loan Association of Philadelphia's own numbers, pulled straight from its quarterly FDIC Call Report.
- $44M
- Total assets
- A
- Health grade · Excellent
- 0.92%
- Return on assets
- 24.2%
- Tier 1 capital
Data updated July 2026
The verdict
Second Federal Savings and Loan Association of Philadelphia earns a PlainBankData health grade of A (82/100), with well-capitalized at 24.22% Tier 1, 0.92% ROA, 61% efficiency ratio.
- #4,162
- largest of 4,313 FDIC banks by assets
- 3rd
- percentile by asset size, nationally
- 24.22%
- Tier 1 ratio - above the 10% well-capitalized line
- 37th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Second Federal Savings and Loan Association of Philadelphia's 82/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Second Federal Savings and Loan Association of Philadelphia's composite health score
Tier 1 Capital Ratio (24.22%) 40/40
Return on Assets (ROA) (0.92%) 14/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (61.08%) 8/15
82 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$25M
Customer-funded liabilities
Net Loans
$35M
Outstanding loan book
Net Income
$383K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Second Federal Savings and Loan Association of Philadelphia ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Second Federal Savings and Loan Association of Philadelphia's score of 82/100 falls in the highlighted band.
Second Federal Savings and Loan Association of Philadelphia's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Second Federal Savings and Loan Association of Philadelphia's $44M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
24.22% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
24.22%
Texas Ratio
0.00%
Equity Capital
$7M
Profitability metrics
Return on Assets (ROA)
37th percentile nationally
0.92%
Return on Equity (ROE)
5.55%
Efficiency Ratio
61.08%
What the numbers say about Second Federal Savings and Loan Association of Philadelphia
Second Federal Savings and Loan Association of Philadelphia is an FDIC-insured institution (Certificate #29627) headquartered in Philadelphia, Pennsylvania, established in 1924. It holds $44M in total assets - 4,162nd of 4,313 FDIC-insured banks, $25M in customer deposits, and $35M in net loans. Capital-wise, the Tier 1 ratio sits at 24.22%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 0.00%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of A (82 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Second Federal Savings and Loan Association of Philadelphia is a community-scale institution -- 110th of 112 FDIC-insured banks headquartered in Pennsylvania by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$3M
Interest Income
$18K
Non-Interest Income
$907K
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Second Federal Savings and Loan Association of Philadelphia reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Pennsylvania by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Second Federal Savings and Loan Association of Philadelphia (FDIC Cert #29627) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Pennsylvania
All Pennsylvania banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| First National Bank of PennsylvaniaGreenville | $50.0B | A | 1.29% |
| Fulton Bank, National AssociationLancaster | $32.0B | A | 1.33% |
| BNY Mellon, National AssociationPittsburgh | $31.3B | B | 0.94% |
| Customers BankMalvern | $24.9B | A | 1.01% |
| TriState Capital BankPittsburgh | $23.3B | A | 0.78% |
| Northwest BankWarren | $16.8B | B | 0.92% |
| Dollar Bank, Federal Savings BankPittsburgh | $12.5B | B | 0.53% |
| First Commonwealth BankIndiana | $12.3B | B | 1.33% |
Frequently asked questions
What is Second Federal Savings and Loan Association of Philadelphia's health grade?▼
Second Federal Savings and Loan Association of Philadelphia receives a health grade of A (82/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Second Federal Savings and Loan Association of Philadelphia?▼
Second Federal Savings and Loan Association of Philadelphia holds $44M in total assets and $25M in deposits, ranking 4,162nd of 4,313 FDIC-insured banks by asset size. It is headquartered in Philadelphia, Pennsylvania.
Is my money safe at Second Federal Savings and Loan Association of Philadelphia?▼
Yes, deposits at Second Federal Savings and Loan Association of Philadelphia (Certificate #29627) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Second Federal Savings and Loan Association of Philadelphia's Tier 1 Capital Ratio?▼
Second Federal Savings and Loan Association of Philadelphia has a Tier 1 Capital Ratio of 24.22%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Second Federal Savings and Loan Association of Philadelphia?▼
Second Federal Savings and Loan Association of Philadelphia has a Texas Ratio of 0.00%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Second Federal Savings and Loan Association of Philadelphia?▼
Second Federal Savings and Loan Association of Philadelphia has an Efficiency Ratio of 61.08%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Second Federal Savings and Loan Association of Philadelphia's profile as a depositor or analyst.
- Second Federal Savings and Loan Association of Philadelphia's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Second Federal Savings and Loan Association of Philadelphia against other Pennsylvania banks before moving funds. Pennsylvania banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.