FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF SAN RAFAEL

SAN RAFAEL, CA | Small | Est. July 31, 1963, midnight | FDIC #31406 | RSSD #229070 | OCC
Latest Report: 2025-12-31

FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF SAN RAFAEL is asn small FDIC-insured commercial bank headquartered in SAN RAFAEL, CA, established in July 31, 1963, midnight. As of 2025-12-31, the bank reported total assets of $221M and total deposits of $176M. Profitability stands at 0.20% ROA and 1.09% ROE, with a net interest margin of 2.97%. The bank's CET1 capital ratio is 23.85%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #31406.

Assets

$221M

Deposits

$176M

Loans

$199M

Equity

$41M

Profitability

Return on Assets (ROA) 0.20%
Return on Equity (ROE) 1.09%
Net Interest Margin (NIM) 2.97%
Yield on Assets 5.22%
Cost of Funds 2.57%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio --
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 0.65%

Capital & Liquidity

CET1 Ratio 23.85%
Tier 1 Capital 23.85%
Total Capital Ratio 24.62%
Leverage Ratio 18.25%
Loan-to-Deposit 113.52%

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