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.
FDIC Call Report plate
Cert 31406 · CA C · 60/100
GRADE-C · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-LOSS · SIZE-MID · BOOK-FULL
- GRADE-C C (60/100)
- LOWER-Q #3802/4307
- PHOTO-FINISH Jackson Savings Bank… · NC
- TIER1-WELL 23.9% Tier 1
- TEXAS-CLEAN 0.0% Texas
- ROA-LOSS -0.58% ROA
- SIZE-MID $100M–1B
- BOOK-FULL 9/9 fields
Nearest health peer outside California: Jackson Savings Bank, SSB, NC (±0 health pts)
Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.
Health-score neighbourhood around First Federal Savings and Loan Associ…
Lowest and highest poles plus nearest scored peers outside California, not a full FDIC corpus board reprint.
Call Report read for First Federal Savings and Loan Associ… in a high-failure state
First Federal Savings and Loan Association of San Rafael (FDIC Cert #31406) carries a PlainBankData health grade of C at 60/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,802 of 4,307. Tier 1 capital prints at 23.85%, clearing the 10% well-capitalized line. The Texas Ratio is 0.00%, inside the sub-50% band analysts treat as healthy. Return on assets is -0.58%. Balance-sheet scale is $221M, 2,893rd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Jackson Savings Bank, SSB (NC), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.
State failure history around First Federal Savings and Loan Associ…
44 FAILURE resolutions in California since 2000, heavy vs the state corpus
First Federal Savings and Loan Association of San Rafael sits in one of the heavier post-2000 FAILURE states (44 resolutions; latest year 2023). The list below is state history from the Failed Bank List, not a claim about First Federal Savings and Loan Association of San Rafael's current Call Report.
- FIRST REPUBLIC BANK SAN FRANCISCO, CA 2023 → JPMORGAN CHASE BANK, N.A.
- SILICON VALLEY BANK SANTA CLARA, CA 2023 → FIRST-CITIZENS BANK & TRUST COMPANY
- FRONTIER BANK, FSB PALM DESERT, CA 2014 → BANK OF SOUTHERN CALIFORNIA, N.A.
Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and California banks.
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.
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: health score vs. every FDIC-insured bank
0-100 composite health score, FDIC Call Reports
60 12th percentile higher than 12% of 4,307 FDIC-insured banks
Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source FDIC Call Reports · July 2026
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.
Capital & credit buffers at First Federal Savings and Loan Associ…
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: First Federal Savings and Loan Associ…
Return on Assets (ROA)
3rd percentile nationally
-0.58%
Return on Equity (ROE)
-3.24%
Efficiency Ratio
110.49%
Income & expense: loss period at First Federal Savings and Loan Associ…
$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
Nationwide banks with similar total assets
Nearest other-state banks with ≥$10M assets ($221M here), outside California so the neighborhood is not state containment.
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.
First Federal Savings and Loan Association of San Rafael Call Report profile · FDIC Failed Bank List · California FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.
Other banks in California
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|---|---|---|---|
| City National BankLos Angeles | $98.4B | A | 0.95% |
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| 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% |