First Federal Savings and Loan Association of San Rafael: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The largest change between Q1 2026 and Q2 2026 was in Total risk-based capital ratio, which rose 0.51 percentage points to 25.31%. Within California, First Federal Savings and Loan Association of San Rafael is 12th of 74 on CET1 ratio, 24.53% as of Q2 2026, above the middle of the field. First Federal Savings and Loan Association of San Rafael's CET1 ratio of 24.53% is well above the 15.07% median for banks in the $100M-1B asset tier, a gap of 9.46 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 24.53% |
| Tier 1 risk-based capital ratio | 24.53% |
| Total risk-based capital ratio | 25.31% |
| Tier 1 leverage ratio | 18.75% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $41.2M |
| Tier 1 capital | $41.2M |
| Total risk-based capital | $42.6M |
| Total equity capital | $41.2M |
| Risk-weighted assets | $168.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 18.57% |
| Tangible equity to tangible assets | 18.57% |
| Equity capital to average assets | 18.75% |
| Internal capital growth rate | 0.51% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $41.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 23.45% | 23.45% | 24.17% | 18.84% | $183.0M |
| Q4 2023 | 23.25% | 23.25% | 23.96% | 18.90% | $184.4M |
| Q1 2024 | 23.25% | 23.25% | 23.97% | 18.80% | $183.5M |
| Q2 2024 | 22.98% | 22.98% | 23.69% | 18.57% | $186.0M |
| Q3 2024 | 23.12% | 23.12% | 23.84% | 18.69% | $184.2M |
| Q4 2024 | 22.69% | 22.69% | 23.39% | 18.44% | $187.2M |
| Q1 2025 | 21.63% | 21.63% | 22.31% | 18.04% | $194.3M |
| Q2 2025 | 21.57% | 21.57% | 22.26% | 17.45% | $190.3M |
| Q3 2025 | 22.62% | 22.62% | 23.34% | 17.85% | $181.4M |
| Q4 2025 | 23.85% | 23.85% | 24.62% | 18.25% | $172.4M |
| Q1 2026 | 24.04% | 24.04% | 24.81% | 18.87% | $171.3M |
| Q2 2026 | 24.53% | 24.53% | 25.31% | 18.75% | $168.1M |
First Federal Savings and Loan Association of San Rafael regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Federal Savings and Loan Association of San Rafael, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Federal Savings and Loan Association of San Rafael profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31406) · FFIEC NIC profile (RSSD 229070)