This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Philadelphia, PA
Health score
78.9
Total assets
$46.3M
Bank
Philadelphia, PA
Health score
87.9
Total assets
$27.7M
Answer first
Second Federal Savings and Loan Association of Philadelphia leads on growth; The Philadelphia Trust Company leads on financial health and capitalization and profitability. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Category leaders
Financial health
The Philadelphia Trust Company
Higher TFS health score
Capitalization
The Philadelphia Trust Company
Higher comparable capital ratio
Profitability
The Philadelphia Trust Company
Higher return on assets
Lending quality
Too close to call
Lower problem-loan measure
Growth
Second Federal Savings and Loan Association of Philadelphia
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | Second Federal Savings and Loan Association of Philadelphia | The Philadelphia Trust Company |
|---|---|---|
| TFS health score | 78.9/100 | 87.9/100Leads |
| Total assets | $46.3M | $27.7M |
| Total deposits / shares | $24.5M | $6.0M |
| Tier 1 capital ratio | 16.42% | 71.82%Leads |
| Return on assets | 1.17% | 14.18%Leads |
| Return on equity | 7.21% | 20.30% |
Second Federal Savings and Loan Association of Philadelphia
1 branches
The Philadelphia Trust Company
1 branches
Both institutions report branches in 1 state: PA.
Second Federal Savings and Loan Association of Philadelphia
Unavailable
The Philadelphia Trust Company
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
Second Federal Savings and Loan Association of Philadelphia
0 in TFS registry
The Philadelphia Trust Company
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | Second Federal Savings and Loan Association of Philadelphia score | Second Federal Savings and Loan Association of Philadelphia ROA | The Philadelphia Trust Company score | The Philadelphia Trust Company ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 0.65% | — | 11.64% |
| 2024-Q4 | — | 0.55% | — | 12.69% |
| 2025-Q1 | — | 0.73% | — | 10.73% |
| 2025-Q2 | — | 1.10% | — | 11.78% |
| 2025-Q3 | — | 0.95% | — | 12.78% |
| 2025-Q4 | — | 0.92% | — | 12.08% |
| 2026-Q1 |
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Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.
Capital and asset-quality definitions are directly comparable for this pair.
| Non-performing loans | 0.00% | 0.00% |
| Net charge-offs | 0.00% | 0.00% |
| Efficiency ratio | 57.53%Leads | 63.83% |
| Loan-to-deposit ratio | 151.15% | 105.70% |
| Asset growth (YoY) | 12.31%Leads | 3.29% |
| Deposit / share growth (YoY) | 4.58% | 8.16%Leads |
| Branches | 1 | 1 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| 73.1/100 |
| 0.65% |
| 91.3/100 |
| 11.41% |
| 2026-Q2 | 78.9/100 | 1.17% | 87.9/100 | 14.18% |