BlastPoint's Banking Scorecard
First Federal Savings and Loan Association of San Rafael
Micro
Specialty: Commercial
CA
FDIC cert 31406
Designations: ✓ Community bank ✓ Mutual
San Rafael, CA
2498
banks in Micro tier nationally
36 in CA
View Micro leaderboard (CA) →
First Federal Savings and Loan Association of San Rafael has 3 strengths but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
- + Tier 1 Capital Ratio 15.00% above tier
Key Concerns
Areas that may need attention
- - Return on Assets 1.67% below tier
- - Net Interest Margin 1.15% below tier
- - Efficiency Ratio 42.76% above tier
- - Loan-to-Deposit Ratio 38.26% above tier
- - Non-Interest-Bearing Deposit Share 19.78% below tier
- - Non-Interest Income / Assets 0.46% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$221.1M
-4.1% YoY
-3.1% QoQ
|
+$3.6M |
$217.5M
+2.3% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
56% |
| Total Loans ? |
$198.0M
-5.6% YoY
-4.9% QoQ
|
+$58.8M |
$139.2M
+2.8% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
73% |
| Total Deposits ? |
$175.6M
-2.8% YoY
-3.7% QoQ
|
-$8.1M |
$183.7M
+1.8% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
53% |
| Return on Assets ? |
-0.58%
-170.1% YoY
+30.1% QoQ
|
-1.67% |
1.08%
+14.7% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 4% in tier |
| Net Interest Margin ? |
2.70%
+11.4% YoY
+2.8% QoQ
|
-1.15% |
3.85%
+6.6% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 8% in tier |
| Efficiency Ratio ? |
110.49%
-4.3% YoY
-5.4% QoQ
|
+42.76% |
67.73%
-4.8% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
Bottom 3% in tier |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
112.78%
-2.9% YoY
-1.3% QoQ
|
+38.26% |
74.53%
+0.5% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
Bottom 3% in tier |
| Non-Interest-Bearing Deposit Share ? |
2.61%
+5.5% YoY
-9.2% QoQ
|
-19.78% |
22.39%
-1.3% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
Bottom 3% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
23.85%
+5.1% YoY
+5.5% QoQ
|
+15.00% |
8.85%
-3.4% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
Top 8% in tier |
| Non-Interest Income / Assets ? |
0.10%
+8.7% YoY
+43.2% QoQ
|
-0.46% |
0.56%
+0.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 8% in tier |
Signature Analysis
Strengths (3)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Tier 1 Capital Ratio
metric
Top 8%
in Micro
Why this stands out
Current:
23.85%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (6)
Return on Assets
metric
Bottom 4%
in Micro
Why this stands out
Current:
-0.58%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 8%
in Micro
Why this stands out
Current:
2.70%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 3%
in Micro
Why this stands out
Current:
110.49%
(Tier avg: 67.73%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Bottom 3%
in Micro
Why this stands out
Current:
112.78%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Bottom 3%
in Micro
Why this stands out
Current:
2.61%
(Tier avg: 22.39%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 8%
in Micro
Why this stands out
Current:
0.10%
(Tier avg: 0.56%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
92
92th pctile
Tier 1 Capital Ratio
Current: 23.85% · Tier avg: 8.85%
73
73th pctile
Total Loans
Current: $198.0M · Tier avg: $139.2M
56
56th pctile
Total Assets
Current: $221.1M · Tier avg: $217.5M
53
53th pctile
Total Deposits
Current: $175.6M · Tier avg: $183.7M
8
8th pctile
Net Interest Margin
Current: 2.70% · Tier avg: 3.85%
8
8th pctile
Non-Interest Income / Assets
Current: 0.10% · Tier avg: 0.56%
4
4th pctile
Return on Assets
Current: -0.58% · Tier avg: 1.08%
3
3th pctile
Non-Interest-Bearing Deposit Share
Current: 2.61% · Tier avg: 22.39%
3
3th pctile
Loan-to-Deposit Ratio
Current: 112.78% · Tier avg: 74.53%
3
3th pctile
Efficiency Ratio
Current: 110.49% · Tier avg: 67.73%
Top Weaknesses
3
3th pctile
Efficiency Ratio
Current: 110.49% · Tier avg: 67.73%
3
3th pctile
Loan-to-Deposit Ratio
Current: 112.78% · Tier avg: 74.53%
3
3th pctile
Non-Interest-Bearing Deposit Share
Current: 2.61% · Tier avg: 22.39%
4
4th pctile
Return on Assets
Current: -0.58% · Tier avg: 1.08%
8
8th pctile
Non-Interest Income / Assets
Current: 0.10% · Tier avg: 0.56%
8
8th pctile
Net Interest Margin
Current: 2.70% · Tier avg: 3.85%
53
53th pctile
Total Deposits
Current: $175.6M · Tier avg: $183.7M
56
56th pctile
Total Assets
Current: $221.1M · Tier avg: $217.5M
73
73th pctile
Total Loans
Current: $198.0M · Tier avg: $139.2M
92
92th pctile
Tier 1 Capital Ratio
Current: 23.85% · Tier avg: 8.85%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%