Total Assets
$221M
Total balance-sheet footings
FDIC Cert #31406 · San Rafael, California · Est. 1963
First Federal Savings and Loan Association of San Rafael - FDIC Bank Health Profile
This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.
- $221M
- Total assets
- C
- Health grade · Fair
- -0.58%
- Return on assets
- 23.9%
- Tier 1 capital
Data updated July 2026
The verdict
First Federal Savings and Loan Association of San Rafael earns a PlainBankData health grade of C (60/100), with well-capitalized at 23.85% Tier 1, -0.58% ROA, 110% efficiency ratio.
- #2,893
- largest of 4,313 FDIC banks by assets
- 33rd
- percentile by asset size, nationally
- 23.85%
- Tier 1 ratio - above the 10% well-capitalized line
- 3rd
- percentile for profitability (ROA), nationally
A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.
How First Federal Savings and Loan Association of San Rafael's 60/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First Federal Savings and Loan Association of San Rafael's composite health score
Tier 1 Capital Ratio (23.85%) 40/40
Return on Assets (ROA) (-0.58%) 0/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (110.49%) 0/15
60 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$176M
Customer-funded liabilities
Net Loans
$198M
Outstanding loan book
Net Income
$-1,344K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First Federal Savings and Loan Association of San Rafael ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Federal Savings and Loan Association of San Rafael's score of 60/100 falls in the highlighted band.
First Federal Savings and Loan Association of San Rafael's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First Federal Savings and Loan Association of San Rafael's $221M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
23.85% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
23.85%
Texas Ratio
0.00%
Equity Capital
$41M
Profitability metrics
Return on Assets (ROA)
3rd percentile nationally
-0.58%
Return on Equity (ROE)
-3.24%
Efficiency Ratio
110.49%
What the numbers say about First Federal Savings and Loan Association of San Rafael
First Federal Savings and Loan Association of San Rafael is an FDIC-insured institution (Certificate #31406) headquartered in San Rafael, California, established in 1963. It holds $221M in total assets - 2,893rd of 4,313 FDIC-insured banks, $176M in customer deposits, and $198M in net loans. Capital-wise, the Tier 1 ratio sits at 23.85%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 0.00%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of C (60 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
First Federal Savings and Loan Association of San Rafael sits 106th of 121 banks headquartered in California by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$11M
Interest Income
$222K
Non-Interest Income
$7M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First Federal Savings and Loan Association of San Rafael reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at First Federal Savings and Loan Association of San Rafael
First Federal Savings and Loan Association of San Rafael's grade of C reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-1,344K for the period, a loss that, if sustained, erodes the equity cushion.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at First Federal Savings and Loan Association of San Rafael up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.
Top banks in California by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First Federal Savings and Loan Association of San Rafael (FDIC Cert #31406) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in California
All California banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| City National BankLos Angeles | $98.4B | A | 0.95% |
| East West BankPasadena | $79.7B | A | 1.72% |
| Banc of CaliforniaLos Angeles | $34.7B | B | 0.78% |
| Axos BankSan Diego | $27.2B | A | 1.77% |
| Cathay BankLos Angeles | $24.2B | A | 1.38% |
| Mechanics BankWalnut Creek | $22.4B | A | 1.44% |
| Bank of HopeLos Angeles | $18.5B | B | 0.42% |
| Citizens Business Bank, National AssociationOntario | $15.6B | A | 1.39% |
Frequently asked questions
What is First Federal Savings and Loan Association of San Rafael's health grade?▼
First Federal Savings and Loan Association of San Rafael receives a health grade of C (60/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is First Federal Savings and Loan Association of San Rafael?▼
First Federal Savings and Loan Association of San Rafael holds $221M in total assets and $176M in deposits, ranking 2,893rd of 4,313 FDIC-insured banks by asset size. It is headquartered in San Rafael, California.
Is my money safe at First Federal Savings and Loan Association of San Rafael?▼
Yes, deposits at First Federal Savings and Loan Association of San Rafael (Certificate #31406) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First Federal Savings and Loan Association of San Rafael's Tier 1 Capital Ratio?▼
First Federal Savings and Loan Association of San Rafael has a Tier 1 Capital Ratio of 23.85%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for First Federal Savings and Loan Association of San Rafael?▼
First Federal Savings and Loan Association of San Rafael has a Texas Ratio of 0.00%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First Federal Savings and Loan Association of San Rafael?▼
First Federal Savings and Loan Association of San Rafael has an Efficiency Ratio of 110.49%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First Federal Savings and Loan Association of San Rafael's profile as a depositor or analyst.
- First Federal Savings and Loan Association of San Rafael's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First Federal Savings and Loan Association of San Rafael against other California banks before moving funds. California banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.