First Federal Savings and Loan Association of San Rafael: how it compares with its peers
Against 28 CA banks with half to twice its assets, First Federal Savings and Loan Association of San Rafael's strongest measure in Q2 2026 is assets per employee ($8.9M vs. a $7.2M peer median). Its weakest relative measure is net interest margin (2.96% vs. 3.95%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.09% | 0.49% | Middle third Ahead of 36% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.96% | 3.95% | Bottom third Ahead of 11% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 96.67% | 81.98% | Bottom third Ahead of 32% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.9M | $7.2M | Top third Ahead of 75% of peers |
| Loans to deposits Net loans and leases over total deposits. | 108.56% | 94.58% | Context |
What it means for lending operations
Its efficiency ratio of 96.67% is above the 81.98% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Neighborhood National Bank El Cajon, CA · $228M
- Metropolitan Bank Oakland, CA · $230M
- United Pacific Bank City Of Industry, CA · $191M
- Beach Cities Commercial Bank Irvine, CA · $189M
- Home Bank of California San Diego, CA · $255M
- Summit Bank Oakland, CA · $264M
Questions about First Federal Savings and Loan Association of San Rafael
How big is First Federal Savings and Loan Association of San Rafael?
First Federal Savings and Loan Association of San Rafael, established in 1963, is headquartered in San Rafael, CA. It reported $222M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is First Federal Savings and Loan Association of San Rafael's return on assets?
0.09% annualized in Q2 2026, against a 0.49% median for 28 CA banks with half to twice its assets, ahead of 36% of them.
What is First Federal Savings and Loan Association of San Rafael's efficiency ratio?
96.67% in Q2 2026: it spent about 97 cents in noninterest expense for each dollar of revenue. The peer median is 81.98%, and lower is better.
Is First Federal Savings and Loan Association of San Rafael growing its loans?
Net loans shrank 9.4% over the year to Q2 2026, while deposits shrank 2.9%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are CA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every California bank ranked.