First Federal Savings and Loan Association of San Rafael: Loan-to-Deposit Ratio
Data as of · sourced from FFIEC call reports. How we update
First Federal Savings and Loan Association of San Rafael reported a loan-to-deposit ratio of 109.29% as of Q2 2026, ranking #151 of 3,650 U.S. banks (96th percentile). The Loan-to-Deposit Ratio (LTD) measures loans against deposits. A high ratio means deposits are fully deployed and the bank may rely on wholesale funding to grow loans.
12-Quarter Trend
National Context
What is the Loan-to-Deposit Ratio?
The Loan-to-Deposit Ratio measures the bank's loans outstanding as a percentage of its deposit base. It captures how aggressively the bank is deploying its core funding into lending vs. holding liquid securities.
Most US community banks report LTD between 65% and 90%. The industry has been gradually de-leveraging. LTD has fallen from ~80% to ~70% since 2007. Banks above 100% are funding loans with non-deposit sources, a more rate-sensitive and lower-quality funding mix.
Full definition & formula →Frequently asked questions
What is First Federal Savings and Loan Association of San Rafael's Loan-to-Deposit Ratio?
First Federal Savings and Loan Association of San Rafael's Loan-to-Deposit Ratio was 109.29% as of Q2 2026, ranking #151 of 3,650 U.S. banks.
What is the Loan-to-Deposit Ratio?
The Loan-to-Deposit Ratio measures the bank's loans outstanding as a percentage of its deposit base. It captures how aggressively the bank is deploying its core funding into lending vs. holding liquid securities.
More First Federal Savings and Loan Association of San Rafael metrics
Source: FFIEC call reports, standardized by BankRegReports. Values are point-in-time as filed. See the full First Federal Savings and Loan Association of San Rafael profile or how this data updates. The figures come from the bank's call report.
Regulator records: FDIC BankFind (cert 31406) · FFIEC NIC profile (RSSD 229070)