First Federal Savings and Loan Association of San Rafael
San Rafael, CA · Cert 31406 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
State savings bank · OCC · 4 branches
Q2 2026
$222.1MAssets
$194.9MLoans
$178.3MDeposits
$41.2MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 743).
- Widest gap: efficiency ratio trails 96% of banks under $1B in assets operating in a single state (rank 719 of 746).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.09%
Rank 710 of 746
Net Interest Margin
2.79%
Rank 662 of 746
Efficiency Ratio
96.67%
Rank 719 of 746
Equity / Assets
18.57%
Rank 45 of 746
Non-interest income vs. expense
Unfavorable gap of $5.9M · efficiency ratio beats 4% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.09% | 0.72% | 1.06% | 1.45% | Beats 5% | 710 / 746 | | |
| Return on Equity | 0.51% | 6.74% | 10.51% | 13.63% | Beats 4% | 716 / 746 | | |
| Net Interest Margin | 2.79% | 3.17% | 3.68% | 4.16% | Beats 11% | 662 / 746 | | |
| Efficiency Ratio | 96.67% | 55.74% | 64.58% | 75.47% | Beats 4% | 719 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.07% | Beats 100% | 105 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 24.53% | 11.55% | 13.75% | 17.60% | Beats 90% | 71 / 746 | | |
| Total Risk-Based Capital Ratio | 25.31% | 11.71% | 14.33% | 18.43% | Beats 90% | 71 / 746 | | |
| Equity / Assets | 18.57% | 8.90% | 10.51% | 13.06% | Beats 94% | 45 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 109.29% | 61.31% | 78.27% | 90.78% | 96th pctl | 28 / 746 | | |
| Loans / Assets | 87.74% | 53.60% | 66.97% | 76.08% | 98th pctl | 14 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |