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.
FDIC Call Report plate
Cert 29627 · PA A · 82/100
GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-COMMUNITY · BOOK-FULL
- GRADE-A A (82/100)
- MID-PACK #1840/4307
- PHOTO-FINISH Big Horn Federal Sav… · WY
- TIER1-WELL 24.2% Tier 1
- TEXAS-CLEAN 0.0% Texas
- ROA-PAR 0.92% ROA
- SIZE-COMMUNITY <$100M
- BOOK-FULL 9/9 fields
Nearest health peer outside Pennsylvania: Big Horn Federal Savings Bank, WY (±0 health pts)
Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.
Health-score neighbourhood around Second Federal Savings and Loan Assoc…
Lowest and highest poles plus nearest scored peers outside Pennsylvania, not a full FDIC corpus board reprint.
Call Report read for Second Federal Savings and Loan Assoc… in a high-failure state
Second Federal Savings and Loan Association of Philadelphia (FDIC Cert #29627) carries a PlainBankData health grade of A at 82/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,840 of 4,307. Tier 1 capital prints at 24.22%, clearing the 10% well-capitalized line. The Texas Ratio is 0.00%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.92%. Balance-sheet scale is $44M, 4,162nd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Big Horn Federal Savings Bank (WY), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.
State failure history around Second Federal Savings and Loan Assoc…
11 FAILURE resolutions in Pennsylvania since 2000, heavy vs the state corpus
Second Federal Savings and Loan Association of Philadelphia sits in one of the heavier post-2000 FAILURE states (11 resolutions; latest year 2024). The list below is state history from the Failed Bank List, not a claim about Second Federal Savings and Loan Association of Philadelphia's current Call Report.
- REPUBLIC BANK PHILADELPHIA, PA 2024 → FULTON BANK, NATIONAL ASSOCIATION
- FIRST CORNERSTONE BANK KING OF PRUSSIA, PA 2016 → FIRST-CITIZENS BANK & TRUST COMPANY
- VANTAGE POINT BANK HORSHAM, PA 2014 → FIRST CHOICE BANK
Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Pennsylvania banks.
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.
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: health score vs. every FDIC-insured bank
0-100 composite health score, FDIC Call Reports
82 Top 43% higher than 57% of 4,307 FDIC-insured banks
Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source FDIC Call Reports · July 2026
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.
Capital & credit buffers at Second Federal Savings and Loan Assoc…
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: Second Federal Savings and Loan Assoc…
Return on Assets (ROA)
37th percentile nationally
0.92%
Return on Equity (ROE)
5.55%
Efficiency Ratio
61.08%
Income & expense at Second Federal Savings and Loan Assoc…
$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
Nationwide banks with similar total assets
Nearest other-state banks with ≥$10M assets ($44M here), outside Pennsylvania so the neighborhood is not state containment.
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.
Second Federal Savings and Loan Association of Philadelphia Call Report profile · FDIC Failed Bank List · Pennsylvania FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.
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% |