First Federal Savings and Loan Association of San Rafael: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
First Federal Savings and Loan Association of San Rafael is an FDIC-insured commercial bank. The Q2 2026 balance sheet stands at $222M in assets, including $195M in loans. Returns are subdued: 0.09% ROA and 0.50% ROE. Capital cushions are healthy: 24.53% CET1, 18.75% Tier 1 leverage. Credit metrics are pristine, with nonperforming loans at just 0.00%. It operates 4 branches, primarily in California.
As of June 30, 2026, First Federal Savings and Loan Association of San Rafael reported a CET1 capital ratio of 24.53%, a return on assets of 0.09%, a nonperforming-loan ratio of 0.00%, a Texas ratio of 0.00%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 998 4th St, San Rafael, CA 94901
- County
- Marin
- Metro Area
- San Francisco-Oakland-Fremont, CA
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- —
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- July 31, 1963
- Offices
- 4 domestic
- Employees (FTE)
- 25
- Domestic deposits
- $178.3M
- Allowance for credit losses
- $1.3M
- Net charge-offs (YTD)
- $0
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 31406
- Fed RSSD
- 229070
- Website
- www.ffsavings.com →
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
No provision recorded in the last 12 quarters.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full First Federal Savings and Loan Association of San Rafael terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock First Federal Savings and Loan Association of San Rafael, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
First Federal Savings and Loan Association of San Rafael rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for First Federal Savings and Loan Association of San Rafael: CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 24.53% | 0.09% | 0.00% | 0.00% | 2.91% |
| Q1 2026 | 24.04% | 0.10% | 0.00% | 0.00% | 2.99% |
| Q4 2025 | 23.85% | 0.20% | 0.00% | 0.00% | 2.86% |
| Q3 2025 | 22.62% | -0.03% | 0.00% | 0.00% | 2.64% |
| Q2 2025 | 21.57% | -1.68% | 0.00% | 0.00% | 2.58% |
| Q1 2025 | 21.63% | -0.77% | 0.00% | 0.00% | 2.56% |
| Q4 2024 | 22.69% | -0.20% | 0.00% | 0.00% | 2.45% |
| Q3 2024 | 23.12% | -0.27% | 0.00% | 0.00% | 2.32% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 4 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| 2521 San Bruno Avenue Branch | San Francisco , CA | 94134 | $51.9M |
| 2009 Sir Francis Drake Boulvard Bran | Fairfax , CA | 94930 | $51.3M |
| 6058 College Avenue Branch | Oakland , CA | 94618 | $45.7M |
| First Federal Savings and Loan Association of San Rafael (main office) | San Rafael , CA | 94901 | $29.4M |
Regulatory record
What the public regulatory sources show for First Federal Savings and Loan Association of San Rafael, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in CA, rank 138 of 171 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about First Federal Savings and Loan Association of San Rafael
What are First Federal Savings and Loan Association of San Rafael's total assets?
As of the Q2 2026 filing, First Federal Savings and Loan Association of San Rafael reported total assets of $222.1 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First Federal Savings and Loan Association of San Rafael headquartered?
First Federal Savings and Loan Association of San Rafael is headquartered in San Rafael, CA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was First Federal Savings and Loan Association of San Rafael founded?
First Federal Savings and Loan Association of San Rafael was established in 1963, per the FDIC institution directory.
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). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Federal Savings and Loan Association of San Rafael?
First Federal Savings and Loan Association of San Rafael's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First Federal Savings and Loan Association of San Rafael's CET1 capital ratio?
First Federal Savings and Loan Association of San Rafael reported a Common Equity Tier 1 (CET1) capital ratio of 24.53% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First Federal Savings and Loan Association of San Rafael operate?
First Federal Savings and Loan Association of San Rafael operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
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% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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