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BDI
FF

First Federal Savings and Loan Association of San Rafael

San Rafael, CaliforniaFDIC Cert #31406

OCCEstablished 19634 branches

Holding company: Not reportedRegulator: OCC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Chart mode
Time range
Loan categories
Latest reported loan balances by category
CategoryBalance
Owner CRE$497K
Investor CRE$19.9M
Multifamily$176M
Construction$875K
1–4 family$1.64M
C&I$0
Agriculture$0
Other

Loan book

Reported balances and balance-sheet intensity.

Gross loans
$198M
−9.0%y/y
Percentile by value88th percentileby value
Peer standing in FFIEC UBPR Peer Group 103 — Insured savings banks having assets between $100 million and $300 million
FDICLNLSGR
Net loans
$197M
−9.0%y/y
Percentile by value88th percentileby value
Peer standing in FFIEC UBPR Peer Group 103 — Insured savings banks having assets between $100 million and $300 million
FDICLNLSNET
Loans YoY
−9.01%
−301.2%y/y
Percentile by value3rd percentileby value
Peer standing in FFIEC UBPR Peer Group 103 — Insured savings banks having assets between $100 million and $300 million
FDICLNLSNET
L/D
111.6%
−4.1%y/y
Percentile by value89th percentileby value
Peer standing in FFIEC UBPR Peer Group 103 — Insured savings banks having assets between $100 million and $300 million
FDICLNLSNET + DEP
Loans/assets
89.5%
−1.8%y/y
Percentile by value99th percentileby value
Peer standing in FFIEC UBPR Peer Group 103 — Insured savings banks having assets between $100 million and $300 million
FDICLNLSNET + ASSET
RE loans %
100.13%
−0.0%y/y
Percentile by value66th percentileby value
Peer standing in FFIEC UBPR Peer Group 103 — Insured savings banks having assets between $100 million and $300 million
FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital
462%
−7.0%y/y
Percentile by value100th percentileby value
Peer standing in FFIEC UBPR Peer Group 103 — Insured savings banks having assets between $100 million and $300 million

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC
Construction/capital
2%
+2.0%y/y
Percentile by value18th percentileby value
Peer standing in FFIEC UBPR Peer Group 103 — Insured savings banks having assets between $100 million and $300 million

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC
Loan HHI
7,945points
+1.5%y/y
Peer standing20th percentile
Peer standing in FFIEC UBPR Peer Group 103 — Insured savings banks having assets between $100 million and $300 million
FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD
Owner CRE %
0.25%
−66.3%y/y
Percentile by value16th percentileby value
Peer standing in FFIEC UBPR Peer Group 103 — Insured savings banks having assets between $100 million and $300 million
FDICLNRENROW + LNLSGR
Investor CRE %
10.05%
−5.7%y/y
Percentile by value77th percentileby value
Peer standing in FFIEC UBPR Peer Group 103 — Insured savings banks having assets between $100 million and $300 million
FDICLNRENROT + LNLSGR
C&I %
0.00%
Percentile by value0th percentileby value
Peer standing in FFIEC UBPR Peer Group 103 — Insured savings banks having assets between $100 million and $300 million
FDICLNCI + LNLSGR