Side-by-side · Q2 2026 data
Home Bank of California vs First Federal Savings and Loan Association of San Rafael
Bank
First Federal Savings and Loan Association of San Rafael
San Rafael, California · $100 million – $1 billion
Metric by metric
| Measure | Home Bank of California | First Federal Savings and Loan Association of San Rafael |
|---|---|---|
| TellerScore | 84 (stronger) | 76 |
| Capital cushion | 73 | 100 (stronger) |
| Loan quality | 100 | 100 |
| Earnings | 100 (stronger) | 24 |
| Funding & liquidity | 48 (stronger) | 40 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 86th | 64th |
| Total assets | $255.4M | $222.1M |
| Deposits / shares | $192.2M | $178.3M |
| Capital ratio | 12.27% | 18.75% (stronger) |
| Problem loans | 0.00% | 0.00% |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 2.34% (stronger) | 0.09% |
| Loans ÷ deposits | 121.2% | 108.6% (stronger) |
| Uninsured deposits | 16.6% (stronger) | 25.4% |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Home Bank of California has the higher TellerScore (84 vs 76). On the 6 directional measures above (where higher or lower is clearly better), Home Bank of California leads on 4 and First Federal Savings and Loan Association of San Rafael on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.