First Federal Savings and Loan Association of San Rafael is a savings bank headquartered in San Rafael, California, in business for about 63 years. At the end of Q2 2026 it reported $222.1M in total assets and $178.3M in deposits, with 4 offices.
Based on its Q2 2026 filing, First Federal Savings and Loan Association of San Rafael scores 76/100, which we describe as strong. That is higher than 64% of 2,650 banks with $100 million – $1 billion. Among 116 banks headquartered in California, it ranks 32nd. Its strongest component is capital cushion (100/100; 18.75%), and its lowest is earnings (24/100; 0.09%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 5 points (71 → 76), mostly because the earnings component improved by 24 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 74 |
| Q3 2024 | 73 |
| Q4 2024 | 73 |
| Q1 2025 | 71 |
| Q2 2025 | 71 |
| Q3 2025 | 71 |
| Q4 2025 | 71 |
| Q1 2026 | 76 |
| Q2 2026 | 76 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 18.57% |
| Q3 2024 | 18.69% |
| Q4 2024 | 18.44% |
| Q1 2025 | 18.04% |
| Q2 2025 | 17.45% |
| Q3 2025 | 17.85% |
| Q4 2025 | 18.25% |
| Q1 2026 | 18.87% |
| Q2 2026 | 18.75% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.20% |
| Q3 2024 | -0.22% |
| Q4 2024 | -0.22% |
| Q1 2025 | -0.77% |
| Q2 2025 | -1.23% |
| Q3 2025 | -0.84% |
| Q4 2025 | -0.58% |
| Q1 2026 | 0.10% |
| Q2 2026 | 0.09% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 76 | $222.1M | 18.75% | 0.00% | 0.09% | 108.6% |
| Q1 2026 | 76 | $220.0M | 18.87% | 0.00% | 0.10% | 111.6% |
| Q4 2025 | 71 | $221.1M | 18.25% | 0.00% | -0.58% | 112.8% |
| Q3 2025 | 71 | $228.1M | 17.85% | 0.00% | -0.84% | 114.3% |
| Q2 2025 | 71 | $233.7M | 17.45% | 0.00% | -1.23% | 116.3% |
| Q1 2025 | 71 | $237.4M | 18.04% | 0.00% | -0.77% | 116.5% |
| Q4 2024 | 73 | $230.6M | 18.44% | 0.00% | -0.22% | 116.2% |
| Q3 2024 | 73 | $228.6M | 18.69% | 0.00% | -0.22% | 115.5% |
| Q2 2024 | 74 | $231.8M | 18.57% | 0.00% | -0.20% | 115.9% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in California
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Neighborhood National BankBank El Cajon, CA | 65 out of 100, Moderate | $228.0M | 11.6% | 0.68% | vs |
| Metropolitan BankBank Oakland, CA | 75 out of 100, Strong | $230.2M | 13.1% | 0.00% | vs |
| United Pacific BankBank City Of Industry, CA | 57 out of 100, Moderate | $191.0M | 17.4% | 2.51% | vs |
| Beach Cities Commercial BankBank Irvine, CA | 58 out of 100, Moderate | $188.9M | 9.8% | 0.00% | vs |
| Home Bank of CaliforniaBank San Diego, CA | 84 out of 100, Strong | $255.4M | 12.3% | 0.00% | vs |
| Summit BankBank Oakland, CA | 57 out of 100, Moderate | $264.4M | 16.4% | 1.48% | vs |
Deposit insurance
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 an FDIC-insured institution (FDIC certificate #31406). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 25.4% of deposits ($45.3M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 18.75%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 25.31% (benchmark: 10%).
4 locations
Branches
First Federal Savings and Loan Association of San Rafael lists 4 offices in 4 cities. Most locations:
- Fairfax, CA (1)
- Oakland, CA (1)
- San Francisco, CA (1)
- San Rafael, CA (1)
Identity & history
Profile
- Legal name
- First Federal Savings and Loan Association of San Rafael
- Type
- Savings bank
- FDIC certificate #
- 31406
- RSSD ID
- 229070
- Primary regulator
- OCC
- Established
- July 31, 1963
- Headquarters
- 998 4th St, San Rafael, CA 94901
- Website
- www.ffsavings.com
- Employees
- 25
Quick answers
First Federal Savings and Loan Association of San Rafael: common questions
Is First Federal Savings and Loan Association of San Rafael FDIC insured?
Yes. First Federal Savings and Loan Association of San Rafael is an FDIC-insured institution (FDIC certificate #31406). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First Federal Savings and Loan Association of San Rafael's TellerScore?
76 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has First Federal Savings and Loan Association of San Rafael ever failed?
There is no failure record for FDIC certificate #31406 in the FDIC failed bank list.
How many branches does First Federal Savings and Loan Association of San Rafael have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near San Rafael
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Northeast Community Federal Credit UnionCredit union San Francisco, CA | 100 out of 100, Very strong | $15.2M | 32.6% | 0.00% | vs |
| Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA | 92 out of 100, Very strong | $1.7B | 15.5% | 0.60% | vs |
| San Francisco Federal Credit UnionCredit union San Francisco, CA | 86 out of 100, Very strong | $1.6B | 13.6% | 0.15% | vs |
| San Francisco Lee Federal Credit UnionCredit union San Francisco, CA | 85 out of 100, Very strong | $10.7M | 53.3% | 0.00% | vs |
| GBC International BankBank Los Angeles, CA | 83 out of 100, Strong | $658.5M | 15.9% | 0.26% | vs |
| Sea West Coast Guard Federal Credit UnionCredit union Oakland, CA | 83 out of 100, Strong | $377.9M | 20.2% | 0.01% | vs |