First Federal Savings and Loan Association of San Rafael: Non-Performing Loans Ratio
Data as of · sourced from FFIEC call reports. How we update
First Federal Savings and Loan Association of San Rafael reported a non-performing loans ratio of 0.00% as of Q2 2026, ranking #3,333 of 3,655 U.S. banks (9th percentile). The Non-Performing Loan (NPL) ratio measures loans 90+ days past due or in non-accrual status divided by total loans, the leading indicator of credit deterioration.
12-Quarter Trend
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What is the Non-Performing Loans Ratio?
The NPL ratio measures loans in non-accrual status plus modified loans to borrowers in financial difficulty as a percentage of total loans. It is the most direct indicator of how much of the bank's loan portfolio is currently in trouble. Loans 90+ days past due but still accruing are reported separately; the FFIEC "noncurrent" ratio adds them to nonaccrual.
Most US community banks report NPL ratios between 0.3% and 1.5%. Spikes above 2% warrant deeper analysis. Drill into which loan categories are stressed (commercial real estate? consumer? construction?). Compare to the bank's loss reserves: an NPL of 2% against an ACL/Loans of 1% means the bank may need to build reserves.
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What is First Federal Savings and Loan Association of San Rafael's Non-Performing Loans Ratio?
First Federal Savings and Loan Association of San Rafael's Non-Performing Loans Ratio was 0.00% as of Q2 2026, ranking #3333 of 3,655 U.S. banks.
What is the Non-Performing Loans Ratio?
The NPL ratio measures loans in non-accrual status plus modified loans to borrowers in financial difficulty as a percentage of total loans. It is the most direct indicator of how much of the bank's loan portfolio is currently in trouble. Loans 90+ days past due but still accruing are reported separately; the FFIEC "noncurrent" ratio adds them to nonaccrual.
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)