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First Federal Savings and Loan Association of San Rafael

$100M-$1B Specialty: Commercial CA FDIC cert 31406

Designations: ✓ Mutual

San Rafael, CA

4 branches across CA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 53 in CA.
  • Deposits -2.9% year over year ($178.3M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 0.09%.
  • Efficiency ratio 96.67% vs a 64.48% peer average.
  • Loan-to-deposit ratio 108.56% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 53 in CA
View $100M-$1B leaderboard (CA) →

First Federal Savings and Loan Association of San Rafael has 2 strengths but faces 7 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Credit Quality Leader: Top 41.4% in tier
  • + Nonperforming Asset Ratio 0.67% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 5.1% in tier
  • - Liquidity Strain: Bottom 19.4% in tier
  • - Return on Assets 1.23% below tier average
  • - Net Interest Margin 1.03% below tier average
  • - Efficiency Ratio 32.19% above tier average
  • - Non-Interest-Bearing Deposit Share 17.78% below tier average
  • - Non-Interest Income / Assets 0.52% below tier average
Get updates when First Federal Savings and Loan Association of San Rafael releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Total Assets ? $222.1M
-5.0% YoY +1.0% QoQ
-$164.5M $386.6M
+1.2% YoY
$4.9B
+8.2% YoY
$6.3B
+7.7% YoY
31%
Total Loans ? $193.6M
-9.4% YoY -1.7% QoQ
-$64.8M $258.3M
+1.7% YoY
$3.3B
+8.0% YoY
$3.2B
+9.4% YoY
47%
Total Deposits ? $178.3M
-2.9% YoY +1.1% QoQ
-$148.4M $326.7M
+0.7% YoY
$4.0B
+7.9% YoY
$4.9B
+7.3% YoY
29%
Return on Assets ? 0.09%
+107.7% YoY -1.2% QoQ
-1.23% 1.32%
+10.8% YoY
1.69%
+23.4% YoY
1.30%
+12.1% YoY
Bottom 4.2% in tier
Net Interest Margin ? 2.96%
+13.8% YoY -1.1% QoQ
-1.03% 3.99%
+5.0% YoY
3.84%
+2.9% YoY
3.95%
+4.9% YoY
Bottom 8.7% in tier
Efficiency Ratio ? 96.67%
-22.4% YoY -0.0% QoQ
+32.19% 64.48%
-3.2% YoY
64.67%
-10.5% YoY
70.05%
+2.5% YoY
Bottom 2.9% in tier
Delinquency Rate ? 0.00% -0.92% 0.92%
+15.7% YoY
1.15%
+46.6% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 108.56%
-6.7% YoY -2.8% QoQ
+30.61% 77.95%
+1.0% YoY
86.69%
+1.8% YoY
79.03%
+2.3% YoY
Bottom 3.8% in tier
Non-Interest-Bearing Deposit Share ? 4.25%
+64.3% YoY +104.4% QoQ
-17.78% 22.03%
-0.6% YoY
25.07%
-3.4% YoY
21.98%
-0.6% YoY
Bottom 3.0% in tier
Nonperforming Asset Ratio ? 0.00% -0.67% 0.67%
+16.4% YoY
0.91%
+41.3% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 24.53%
+13.7% YoY +2.0% QoQ
+8.62% 15.91%
+1.4% YoY
20.69%
-2.9% YoY
17.09%
+0.8% YoY
Top 7.3% in tier
Non-Interest Income / Assets ? 0.05%
+13.3% YoY +99.9% QoQ
-0.52% 0.57%
+7.6% YoY
1.26%
+3.5% YoY
0.66%
+5.2% YoY
Bottom 5.9% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Noninterest-Bearing 4.2%
+1.7pp YoY
+2.2pp QoQ
 -17.9pp 22.1% 25.5% 22.2% 2%
Brokered Deposits 9.7%
-2.9pp YoY
-0.1pp QoQ
 +1.8pp 7.9% 11.0% 8.5% 74%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
C&I n/a n/a 11.6% 11.8% 12.5% n/a
CRE 100.0%
+0.1pp YoY
0.0pp QoQ
 +60.4pp 39.5% 67.5% 41.4% 100%
1-4 Family 0.8%
0.0pp YoY
0.0pp QoQ
 -31.8pp 32.6% 16.5% 31.3% 1%
Consumer n/a n/a 4.1% 5.3% 5.0% n/a

Capital

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
CET1 Ratio 24.5%
+3.0pp YoY
+0.5pp QoQ
 +5.7pp 18.8% 23.7% 19.7% 88%
Leverage Ratio 18.8%
+1.3pp YoY
-0.1pp QoQ
 +6.6pp 12.2% 14.5% 12.6% 95%
Total Capital Ratio 25.3%
+3.1pp YoY
+0.5pp QoQ
 +5.4pp 19.9% 25.1% 20.8% 88%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Full-Time Employees 25
-4 (-13.8%) YoY
-3 (-10.7%) QoQ
 -34 58 337 482 19%
Assets per Employee ($) $8.9M
+10.2% YoY
+13.1% QoQ
 +$1.4M $7.5M $11.3M $8.8M 78%
Branch Count 4
0 YoY
0 QoQ
 -1 4 15 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.3% 0.4% n/a
Nonaccrual n/a n/a 0.9% 1.4% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 17.11x 20.23x n/a
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.3% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
ROE 0.5%
+7.4pp YoY
0.0pp QoQ
 -11.7pp 12.2% 8.2% 11.6% 4%
Cost of Funds (YTD) 2.1%
-0.3pp YoY
0.0pp QoQ
 +0.3pp 1.7% 1.9% 1.7% 73%
Net Income ($, YTD) $105,000
+107.3% YoY
— QoQ
 -$2.5M $2.6M $28.5M $40.4M 4%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth
#274 of 659 • Top 41.4% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.00%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (2)

Liquidity Overhang

risk
#39 of 742 • Bottom 5.1% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 24.53%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 108.56%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

Liquidity Strain

risk
#135 of 691 • Bottom 19.4% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 108.56%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B
195
Tier 1 Capital Ratio
capital
Value: 24.53%
Peer Median: 15.91%
#195 of 2643 Top 7.3% in $100M-$1B

Top Weaknesses (6 metrics)

2568
Efficiency Ratio
profitability
Value: 96.67%
Peer Median: 64.48%
#2568 of 2643 Bottom 2.9% in $100M-$1B
2565
Non-Interest-Bearing Deposit Share
funding
Value: 4.25%
Peer Median: 22.03%
#2565 of 2643 Bottom 3.0% in $100M-$1B
2544
Loan-to-Deposit Ratio
liquidity
Value: 108.56%
Peer Median: 77.95%
#2544 of 2643 Bottom 3.8% in $100M-$1B
2532
Return on Assets
profitability
Value: 0.09%
Peer Median: 1.32%
#2532 of 2643 Bottom 4.2% in $100M-$1B
2489
Non-Interest Income / Assets
revenue_mix
Value: 0.05%
Peer Median: 0.57%
#2489 of 2643 Bottom 5.9% in $100M-$1B
2413
Net Interest Margin
profitability
Value: 2.96%
Peer Median: 3.99%
#2413 of 2643 Bottom 8.7% in $100M-$1B
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