Second Federal Savings and Loan Association of Philadelphia: how it compares with its peers
Against 464 U.S. banks with half to twice its assets, Second Federal Savings and Loan Association of Philadelphia's strongest measure in Q2 2026 is assets per employee ($11.6M vs. a $6.0M peer median). Its weakest relative measure is return on assets (1.17% vs. 1.04%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.17% | 1.04% | Middle third Ahead of 57% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.00% | 3.87% | Middle third Ahead of 57% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 57.53% | 69.86% | Top third Ahead of 77% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $11.6M | $6.0M | Top third Ahead of 98% of peers |
| Loans to deposits Net loans and leases over total deposits. | 151.14% | 64.55% | Context |
What it means for lending operations
Its efficiency ratio of 57.53% is better than the 69.86% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- State Bank of Bellingham Bellingham, MN · $46M
- Table Grove State Bank Table Grove, IL · $46M
- State Bank of Taunton Taunton, MN · $47M
- Grant County State Bank Carson, ND · $47M
- First State Bank Hordville, NE · $47M
- The Trust Bank Lenox, GA · $47M
Questions about Second Federal Savings and Loan Association of Philadelphia
How big is Second Federal Savings and Loan Association of Philadelphia?
Second Federal Savings and Loan Association of Philadelphia, established in 1924, is headquartered in Philadelphia, PA. It reported $46M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Second Federal Savings and Loan Association of Philadelphia's return on assets?
1.17% annualized in Q2 2026, against a 1.04% median for 464 U.S. banks with half to twice its assets, ahead of 57% of them.
What is Second Federal Savings and Loan Association of Philadelphia's efficiency ratio?
57.53% in Q2 2026: it spent about 58 cents in noninterest expense for each dollar of revenue. The peer median is 69.86%, and lower is better.
Is Second Federal Savings and Loan Association of Philadelphia growing its loans?
Net loans grew 9.2% over the year to Q2 2026, while deposits grew 4.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Pennsylvania bank ranked.