First Federal Savings and Loan Association of San Rafael: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 3.09 percentage points lower than in Q1 2026, at 109.29%. First Federal Savings and Loan Association of San Rafael ranks 98th of 114 California banks on return on assets, in the lower half at 0.09% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, First Federal Savings and Loan Association of San Rafael reported 0.09% on return on assets in Q2 2026, 1.16 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 24.53% |
| Tier 1 risk-based capital ratio | 24.53% |
| Total risk-based capital ratio | 25.31% |
| Tier 1 leverage ratio | 18.75% |
| Equity capital to assets | 18.57% |
| Tangible equity to tangible assets | 18.57% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 0.67% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.09% |
| Return on equity | 0.50% |
| Net interest margin | 2.91% |
| Efficiency ratio | 96.65% |
| Yield on earning assets | 4.95% |
| Cost of funds | 2.41% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 109.29% |
| Core deposits to total deposits | 71.12% |
| Brokered deposits to total deposits | 9.67% |
| Deposits to assets | 80.28% |
| Securities to assets | — |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 23.45% | 23.45% | 24.17% | 18.84% | -0.06% |
| Q4 2023 | 23.25% | 23.25% | 23.96% | 18.90% | -0.09% |
| Q1 2024 | 23.25% | 23.25% | 23.97% | 18.80% | -0.35% |
| Q2 2024 | 22.98% | 22.98% | 23.69% | 18.57% | -0.06% |
| Q3 2024 | 23.12% | 23.12% | 23.84% | 18.69% | -0.27% |
| Q4 2024 | 22.69% | 22.69% | 23.39% | 18.44% | -0.20% |
| Q1 2025 | 21.63% | 21.63% | 22.31% | 18.04% | -0.77% |
| Q2 2025 | 21.57% | 21.57% | 22.26% | 17.45% | -1.68% |
| Q3 2025 | 22.62% | 22.62% | 23.34% | 17.85% | -0.03% |
| Q4 2025 | 23.85% | 23.85% | 24.62% | 18.25% | 0.20% |
| Q1 2026 | 24.04% | 24.04% | 24.81% | 18.87% | 0.10% |
| Q2 2026 | 24.53% | 24.53% | 25.31% | 18.75% | 0.09% |
First Federal Savings and Loan Association of San Rafael vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Federal Savings and Loan Association of San Rafael, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)