First Federal Savings and Loan Association of San Rafael: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Federal Savings and Loan Association of San Rafael of San Rafael, CA against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.09% | 1.35% | -1.26% | 6th bottom |
| ROAE | 0.50% | 12.06% | -11.56% | 5th bottom |
| Net Interest Margin | 2.91% | 3.90% | -0.99% | 8th bottom |
| Efficiency Ratio | 96.65% | 63.14% | +33.51% | 4th bottom |
| PPNR / Avg Assets | 0.10% | 1.64% | -1.54% | 3rd bottom |
| Yield on Earning Assets | 4.95% | 5.65% | -0.70% | 21st bottom |
| Cost of Funds | 2.41% | 1.85% | +0.56% | 18th bottom |
| Net Interest Spread | 2.46% | 3.35% | -0.89% | 13th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.92% | -0.92% | 93rd top |
| NPA / Total Assets | 0.00% | 0.67% | -0.67% | 94th top |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 0.67% | 1.28% | -0.61% | 6th bottom |
| Texas Ratio | 0.00% | 7.15% | -7.15% | 95th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 24.53% | 20.83% | +3.70% | 88th top |
| Tier 1 Ratio | 24.53% | 20.86% | +3.67% | 88th top |
| Total Capital Ratio | 25.31% | 21.93% | +3.38% | 87th top |
| Leverage Ratio | 18.75% | 12.46% | +6.29% | 95th top |
| Equity / Assets | 18.57% | 11.67% | +6.90% | 95th top |
| TCE / Tangible Assets | 18.57% | 11.40% | +7.17% | 95th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 109.29% | 78.63% | +30.66% | 4th bottom |
| Core Deposit Ratio | 71.12% | 87.10% | -15.98% | 6th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -4.98% | 6.48% | -11.46% | 5th bottom |
| Loan Growth (Y/Y) | -9.34% | 7.65% | -16.99% | 3rd bottom |
| Deposit Growth (Y/Y) | -2.93% | 6.03% | -8.96% | 10th bottom |
See First Federal Savings and Loan Association of San Rafael's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Federal Savings and Loan Association of San Rafael, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First Federal Savings and Loan Association of San Rafael profile, how to read a UBPR, or how this data updates.