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First Federal Savings And Loan Association Of San Rafael
San Rafael, CA · FDIC Certificate #31406 · Chartered 07/3
Total assets
$222.12M
Total deposits
$178.32M
Total equity
$41.24M
Net loans
$193.58M
Branches (offices)
4
Net income (YTD)
$105.00K
Rank: #2,851 of 4,213 U.S. banks by assets · #101 of 115 in California. Assets changed -5.0% and deposits -2.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.09% |
| Return on equity | 0.51% |
| Net interest margin (YTD) | 2.96% |
| Equity to assets | 18.57% |
| Tier 1 leverage ratio | 18.75% |
| Uninsured deposits (share of deposits) | 25.4% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 108.6% |
| Real estate loans (share of loans) | 100.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $195.15M | 100.8% | |
| Commercial & industrial | $0 | 0.0% | |
| Consumer / individual | $0 | 0.0% | |
| Construction & development | $775.00K | 0.4% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $233.92M | $189.73M | $362.00K | $42.97M |
| Jun 2023 | $227.26M | $167.64M | $42.00K | $43.31M |
| Jun 2024 | $231.81M | $179.48M | -$231.00K | $42.74M |
| Jun 2025 | $233.75M | $183.70M | -$1.44M | $41.04M |
| Jun 2026 | $222.12M | $178.32M | $105.00K | $41.24M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| California | $178.32M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $178.32M.
Similar-sized banks
State Bank Northwest ($222.21M) · West Iowa Bank ($222.09M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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