First Federal Savings and Loan Association of San Rafael: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 8.24 percentage points in Q2 2026, from 462.08% to 453.83%. 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). First Federal Savings and Loan Association of San Rafael reported 109.29% on loan-to-deposit ratio for Q2 2026, 28.45 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $194.9M |
| Net loans and leases | $193.6M |
| Loans held for sale | $0 |
| Loans to total assets | 87.74% |
| Loan-to-deposit ratio | 109.29% |
| Net loans to equity capital | 4.69% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 10.14% |
| Multifamily (5+ residential) | 88.64% |
| Commercial and industrial | 0.00% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 453.83% |
| Construction concentration (Tier 1 capital + allowance) | 1.82% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $2.5M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $208.9M | $173.8M | 12.70% | 0.00% | 0.00% |
| Q4 2023 | $209.9M | $175.1M | 12.25% | 0.00% | 0.00% |
| Q1 2024 | $208.4M | $174.8M | 12.23% | 0.00% | 0.00% |
| Q2 2024 | $209.3M | $179.5M | 11.39% | 0.00% | 0.00% |
| Q3 2024 | $208.8M | $179.6M | 11.39% | 0.00% | 0.00% |
| Q4 2024 | $211.2M | $180.7M | 11.12% | 0.00% | 0.00% |
| Q1 2025 | $217.7M | $185.8M | 11.38% | 0.00% | 0.00% |
| Q2 2025 | $215.0M | $183.7M | 11.82% | 0.00% | 0.00% |
| Q3 2025 | $209.6M | $182.2M | 11.94% | 0.00% | 0.00% |
| Q4 2025 | $199.3M | $175.6M | 10.33% | 0.00% | 0.00% |
| Q1 2026 | $198.2M | $176.4M | 10.28% | 0.00% | 0.00% |
| Q2 2026 | $194.9M | $178.3M | 10.14% | 0.00% | 0.00% |
First Federal Savings and Loan Association of San Rafael loan portfolio, all the way back
Loan Portfolio 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-C, 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)