Bank Safety Analysis
Is First Federal Savings and Loan Association of San Rafael Safe?
First Federal Savings and Loan Association of San Rafael shows stress on 1 of 5 regulatory safety dimensions and is currently outside well-capitalized thresholds on at least one measure. Analysis based on the Q2 2026 call report.
In Q2 2026, CET1 ratio edged up by 0.49 percentage points, from 24.04% to 24.53%, the largest move among the key lines here. First Federal Savings and Loan Association of San Rafael ranks 12th of 74 California banks on CET1 ratio, in the upper half at 24.53% (Q2 2026). First Federal Savings and Loan Association of San Rafael's CET1 ratio of 24.53% is well above the 15.07% median for banks in the $100M-1B asset tier, a gap of 9.46 points (Q2 2026). From Q3 2023 to Q2 2026, First Federal Savings and Loan Association of San Rafael's CET1 ratio ranged between 21.57% (Q2 2025) and 24.53% (Q2 2026) and its Texas ratio ranged between 0.00% (Q2 2026) and 0.00% (Q2 2026). Compared with Q2 2025, First Federal Savings and Loan Association of San Rafael's CET1 ratio from 21.57% to 24.53%, noncurrent loans to total loans from 0.00% to 0.00%, Texas ratio from 0.00% to 0.00%, return on assets from -1.68% to 0.09% in Q2 2026.
Data as of · sourced from FFIEC call reports. How we update
A relative risk score, not a calibrated probability: it ranks this bank against every other filer. Model AUC 0.988 (v20261005_114304). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk, and its accuracy above roughly $10B in assets is not established, so a low score is not evidence of safety. See the methodology. This is not investment advice or a credit rating.
Scorecard by dimension
Peer cohort: banks with $100M to $1B in assets (2,672 banks) · Industry averages as of Q2 2026.
CET1 of 24.53% sits comfortably above the 6.5% well-capitalized threshold under Prompt Corrective Action and the 7.0% level required once the capital conservation buffer is included.
Tier 1 leverage of 18.75% is above the 5% well-capitalized threshold.
Nonperforming loans at 0.00% are within industry-normal range.
Texas Ratio of 0.0% is well below the 100% historical failure threshold.
Efficiency ratio of 96.6% suggests significant cost-to-revenue challenges.
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | 24.53% | Flags below 7% | Within range |
| Texas ratio BankRegReports band | 0.00% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 0.00% | Flags at 3% or above | Within range |
| Uninsured deposit share BankRegReports band | — | Watch at 50%, concern at 70% | Not reported |
| Loan-to-deposit ratio BankRegReports band | 109.29% | Flags at 100% or above | Flagged |
| Commercial real estate to capital supervisory threshold | 453.83% | Watch at 200%, concern at 300% | Flagged |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 24.53% |
| Q1 2026 | 24.04% |
| Q4 2025 | 23.85% |
| Q3 2025 | 22.62% |
| Q2 2025 | 21.57% |
| Q1 2025 | 21.63% |
| Q4 2024 | 22.69% |
| Q3 2024 | 23.12% |
| Q2 2024 | 22.98% |
| Q1 2024 | 23.25% |
| Q4 2023 | 23.25% |
| Q3 2023 | 23.45% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 0.00% |
| Q1 2026 | 0.00% |
| Q4 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q1 2025 | 0.00% |
| Q4 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q2 2024 | 0.00% |
| Q1 2024 | 0.00% |
| Q4 2023 | 0.00% |
| Q3 2023 | 0.00% |
First Federal Savings and Loan Association of San Rafael by quarter
| Quarter end | CET1 | Noncurrent loans | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | 24.53% | 0.00% | 0.00% | 0.09% |
| Mar 31, 2026 | 24.04% | 0.00% | 0.00% | 0.10% |
| Dec 31, 2025 | 23.85% | 0.00% | 0.00% | 0.20% |
| Sep 30, 2025 | 22.62% | 0.00% | 0.00% | -0.03% |
| Jun 30, 2025 | 21.57% | 0.00% | 0.00% | -1.68% |
| Mar 31, 2025 | 21.63% | 0.00% | 0.00% | -0.77% |
| Dec 31, 2024 | 22.69% | 0.00% | 0.00% | -0.20% |
| Sep 30, 2024 | 23.12% | 0.00% | 0.00% | -0.27% |
| Jun 30, 2024 | 22.98% | 0.00% | 0.00% | -0.06% |
| Mar 31, 2024 | 23.25% | 0.00% | 0.00% | -0.35% |
| Dec 31, 2023 | 23.25% | 0.00% | 0.00% | -0.09% |
| Sep 30, 2023 | 23.45% | 0.00% | 0.00% | -0.06% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is First Federal Savings and Loan Association of San Rafael FDIC insured?
Yes. First Federal Savings and Loan Association of San Rafael is an FDIC-insured commercial bank (FDIC Certificate #31406). Customer deposits are protected up to the standard FDIC insurance limit of $250,000 per depositor, per ownership category.
Is First Federal Savings and Loan Association of San Rafael well capitalized?
Yes. First Federal Savings and Loan Association of San Rafael reports a CET1 Ratio of 24.53%, comfortably above the regulatory well-capitalized threshold that its primary federal regulator, the OCC, applies under Prompt Corrective Action.
What is First Federal Savings and Loan Association of San Rafael's nonperforming loan ratio?
As of the most recent call report, First Federal Savings and Loan Association of San Rafael's nonperforming loan ratio is 0.00%. Nonperforming loans at 0.00% are within industry-normal range.
What is First Federal Savings and Loan Association of San Rafael's Texas Ratio?
First Federal Savings and Loan Association of San Rafael's Texas Ratio is 0.00%. It compares nonperforming assets with tangible equity plus reserves; above 100% has historically signaled elevated failure risk.
How safe is my money at any FDIC-insured bank?
FDIC insurance covers up to $250,000 per depositor, per insured bank, per ownership category. If an insured bank fails, the FDIC typically pays insured depositors within one business day.
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Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.