Total Assets
$221M
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
First Federal Savings and Loan Association of San Rafael — FDIC Bank Health Profile
San Rafael, California · Est. 1963. Free, sourced from the FDIC BankFind Suite — refreshed each quarter and cross-checked against the FDIC Call Report.
Nationally chartered (OCC) Savings bank FDIC Cert #31406 San Francisco Region
D
Health grade
Weak
Score: 40/100
Basel III capital ratios — First Federal Savings and Loan Association of San Rafael
Total Deposits
$176M
Customer-funded liabilities
Net Loans
$198M
Outstanding loan book
Net Income
$-1,344K
Bottom-line earnings
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
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
23.85%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$41M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
-0.58%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
-3.24%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
110.49%
Income & Expense Breakdown
$11M
Interest Income
$222K
Non-Interest Income
$7M
Non-Interest Expense
FDIC Deposit Insurance
First Federal Savings and Loan Association of San Rafael is FDIC-insured (Certificate #31406). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
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. The bank currently holds $221M in total assets and $176M in customer deposits, with $198M deployed as loans. It operates as a Nationally chartered (OCC) (Savings bank) within the FDIC San Francisco region. These figures come directly from the bank's quarterly FDIC Call Report and reflect the balance sheet as of the latest regulatory filing.
On safety metrics, First Federal Savings and Loan Association of San Rafael reports a Tier 1 Capital Ratio of 23.85% — above the 10% federal threshold for "well-capitalized" status and a Texas Ratio of —. Equity capital stands at $41M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of -0.58% and a Return on Equity of -3.24%, with an Efficiency Ratio of 110.49% — above the 60% benchmark, meaning a larger share of revenue is consumed by operating costs. The combined picture yields a PlainBankData health grade of D (40/100), a composite score that blends all four dimensions.
Not financial advice. This page summarizes public FDIC Call Report data for informational purposes only. Health grades are our interpretation of regulatory filings and are not official FDIC ratings, endorsements, or predictions. Regardless of grade, every dollar on deposit at First Federal Savings and Loan Association of San Rafael is protected by FDIC insurance up to $250,000 per depositor, per ownership category — even if the bank were to fail. For decisions about where to hold deposits, consult a qualified financial professional and verify the latest figures directly at the FDIC's BankFind Suite.
Top 5 banks in California by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) + CRA performance data First Federal Savings and Loan Association of San Rafael (FDIC Cert #31406) — Tier 1 capital ratio, total assets, deposits, CRA rating · 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 Bank Los Angeles | $98.4B | C | 0.95% |
| East West Bank Pasadena | $79.7B | B | 1.72% |
| Banc of California Los Angeles | $34.7B | C | 0.78% |
| Axos Bank San Diego | $27.2B | B | 1.77% |
| Cathay Bank Los Angeles | $24.2B | B | 1.38% |
| Mechanics Bank Walnut Creek | $22.4B | B | 1.44% |
| Bank of Hope Los Angeles | $18.5B | C | 0.42% |
| Citizens Business Bank, National Association Ontario | $15.6B | B | 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 D (40/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows notable financial weaknesses. Your deposits remain FDIC-insured up to $250,000.
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. It is headquartered in San Rafael, California.
Is my money safe at First Federal Savings and Loan Association of San Rafael? ▼
Yes. First Federal Savings and Loan Association of San Rafael is FDIC-insured (Certificate #31406). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
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%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
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%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
Bank Safety Guides
Related Data Sources
Data from the FDIC BankFind Suite API. Financial data as of Q4 2025.
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the FDIC BankFind Suite. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.