First Federal Savings and Loan Association of San Rafael: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Loans and leases to core deposits dropped 5.81 percentage points in Q2 2026, from 159.46% to 153.65%. It was the largest change from Q1 2026 among the key lines here. First Federal Savings and Loan Association of San Rafael ranks 12th of 114 California banks on loan-to-deposit ratio, in the upper half at 109.29% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First Federal Savings and Loan Association of San Rafael sits 28.45 points higher, at 109.29% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $16.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $16.0M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 109.29% |
| Net loans and leases to deposits | 108.56% |
| Loans and leases to core deposits | 153.65% |
| Core deposits to total deposits | 71.12% |
| Brokered deposits to total deposits | 9.67% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 120.17% | 74.20% | $0 | $8.0M |
| Q4 2023 | 119.86% | 71.88% | $0 | $8.0M |
| Q1 2024 | 119.23% | 70.82% | $0 | $7.5M |
| Q2 2024 | 116.62% | 69.24% | $0 | $7.0M |
| Q3 2024 | 116.24% | 68.80% | $0 | $4.0M |
| Q4 2024 | 116.88% | 68.26% | $0 | $5.0M |
| Q1 2025 | 117.16% | 65.34% | $0 | $6.5M |
| Q2 2025 | 117.02% | 66.08% | $0 | $6.0M |
| Q3 2025 | 115.00% | 67.08% | $0 | $2.0M |
| Q4 2025 | 113.52% | 70.74% | $0 | $2.0M |
| Q1 2026 | 112.38% | 70.47% | $0 | $0 |
| Q2 2026 | 109.29% | 71.12% | $0 | $0 |
First Federal Savings and Loan Association of San Rafael liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Federal Savings and Loan Association of San Rafael, freeSource: Call Report Schedules RC and RC-M, 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)