First Federal Savings and Loan Association of San Rafael

Headquarters: San Rafael, California
Charter: Bank
Assets: $222.1M
Fed district: San Francisco
Regulator: OCC

15 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 11, 2026.

Overview

Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 11, 2026

How these figures are measured

Call-report figures are for First Federal Savings and Loan Association of San Rafael at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FFIEC call report (bulk data) RCON2170	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Revenue	Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4074 + RIAD4079	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge income	Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4080	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	First Federal Savings and Loan Association of San Rafael's published fee schedule; Bank Fee Index medians	Current schedule	Oct 11, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: First Federal Savings and Loan Association of San Rafael (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

Service-charge income was $4K in Q2 2026, 20% below the same quarter a year earlier ($5K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Stop Payment
First Federal Savings and Loan Association of San Rafael: $10
First Federal Savings and Loan Association of San Rafael: $10
U.S. median: no median
Cashier's Check
First Federal Savings and Loan Association of San Rafael: $5
First Federal Savings and Loan Association of San Rafael: $5
U.S. median: no median
Debit Card Replacement
First Federal Savings and Loan Association of San Rafael: $5
First Federal Savings and Loan Association of San Rafael: $5
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 11, 2026View sources

Each amount links to the fee schedule it was read from. Medians for California, the San Francisco district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
California: Banks and credit unions headquartered in California that publish the fee.
San Francisco district: Banks and credit unions headquartered in the San Francisco Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income fell 33% from Q3 2025 to Q2 2026, to $4K.

Service-charge income, Q2 2026

$4K

$6KQ3 2025

$6KQ4 2025

$5KQ1 2026

$4KQ2 2026

Against the median

First Federal Savings and Loan Association of San RafaelMedian

Sources and open questions

FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

First Federal Savings and Loan Association of San Rafael · $222M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 19 states.

Banks only
$212M to $233M in assets
Headquartered in 19 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
First Federal Savings and Loan Association of San Rafael(this institution)	San Rafael, CA	$222M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Aroostook County Federal Savings and Loan Association	Caribou, ME	$214M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Bank of Columbia	Columbia, KY	$231M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Blue Grass Savings Bank	Blue Grass, IA	$225M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Calhoun County Bank, Inc.	Grantsville, WV	$212M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Eagle Bank	Glenwood, MN	$227M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First Bank and Trust Company of Illinois	Palatine, IL	$229M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First State Bank of Bedias	Bedias, TX	$225M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Texoma National Bank	Durant, OK	$225M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Foundation Bank	Mc Kenzie, TN	$218M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Franklin State Bank & Trust Company	Winnsboro, LA	$225M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Gateway Commercial Bank	Mesa, AZ	$231M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
MCS Bank	Milroy, PA	$225M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Merchants State Bank	Freeman, SD	$220M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Metropolitan Bank	Oakland, CA	$230M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Nevada Bank and Trust Company	Caliente, NV	$217M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Security Bank	Newbern, TN	$224M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Security State Bank of Marine	Marine On St. Croix, MN	$233M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The First National Bank of Waynesboro	Waynesboro, GA	$229M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The Lyon County State Bank	Emporia, KS	$212M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The Seymour Bank	Seymour, MO	$225M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Triad Bank, National Association	Tulsa, OK	$229M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Uinta Bank	Mountain View, WY	$222M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
United Bank and Trust Company	Hampton, IA	$228M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Vidalia Federal Savings Bank	Vidalia, GA	$212M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
West Central Bank	Ashland, IL	$232M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 17 publish this fee(monthly maintenance)

8 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

First Federal Savings and Loan Association of San Rafael does not publish a monthly maintenance fee in the index.

The peer median is $6 among 17 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.

Monthly maintenance fee in dollars, one mark per institution

First Federal Savings and Loan Association of San Rafael does not publish a monthly maintenance fee, so it is not on this chart.

First Federal Savings and…Peer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for First Federal Savings and Loan Association of San Rafael (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 62 quarters on file

Latest, Q2 2026: $4K
vs prior quarter: −$1K−20.0%; from Q1 2026
vs a year earlier: −$1K−20.0%; from Q2 2025
vs start of range: −$1K−20.0%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: First Federal Savings and Loan Association of San Rafael (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$4K	−$1K	−20.0%
Q1 2026	$5K	−$1K	−16.7%
Q4 2025	$6K	$0	0.0%
Q3 2025	$6K	+$1K	+20.0%
Q2 2025	$5K	−$1K	−16.7%
Q1 2025	$6K	$0	0.0%
Q4 2024	$6K	+$1K	+20.0%
Q3 2024	$5K	−$1K	−16.7%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from First Federal Savings and Loan Association of San Rafael’s own schedules, with a source for each figure.

Account Maintenance

Early Account Closure Fee 4$30
Inactivity Fee$5
Account Research Fee$75
Not compared: Charged per hour; comparison unavailable
per hour
General Account Related FeesAccount Research Fee(Minimum charge of 1 hour)Returned Negotiated Items Fee$10
per item
Excessive Transactions Fee$5
per item

Overdraft & NSF

NSF/Overdraft Daily Cap$75
per day · Maximum daily NSF/Overdraft fee

ATM & Card

Replace Lost or Stolen Card$5
per item
Rush Replacement$20
per item

Check Services

Teller Check (Exchange Check)$5
per item
Stop Payment Order$10
per item
Check Copies$5
per item

Digital & Electronic

Online Bill PayNo charge
Special Same Day Bill Payment$14.95

Account Services

Notary Fee$15
per transaction
Process Fee Notary Fee$15
Annual Rental Fee - Regular Box$40
per year
Late Payment (30 days past due)$10
Not compared: Box drilling or key fee
One Lost Key$30
Not compared: Box drilling or key fee
Legal Process Fee$100
per item

Other Fees

Photocopies and Microfilm Copies$2
per item
Statement Copies$5

Fee	Amount	Basis	Note
Account Maintenance
Early Account Closure Fee 4	$30	Not stated	None
Inactivity Fee	$5	Not stated	None
Account Research Fee	$75Not compared: Charged per hour; comparison unavailable	per hour	None
General Account Related FeesAccount Research Fee(Minimum charge of 1 hour)Returned Negotiated Items Fee	$10	per item	None
Excessive Transactions Fee	$5	per item	None
Overdraft & NSF
NSF/Overdraft Daily Cap	$75	per day	Maximum daily NSF/Overdraft fee
ATM & Card
Replace Lost or Stolen Card	$5	per item	None
Rush Replacement	$20	per item	None
Check Services
Teller Check (Exchange Check)	$5	per item	None
Stop Payment Order	$10	per item	None
Check Copies	$5	per item	None
Digital & Electronic
Online Bill Pay	No charge	Not stated	None
Special Same Day Bill Payment	$14.95	Not stated	None
Account Services
Notary Fee	$15	per transaction	None
Process Fee Notary Fee	$15	Not stated	None
Annual Rental Fee - Regular Box	$40	per year	None
Late Payment (30 days past due)	$10Not compared: Box drilling or key fee	Not stated	None
One Lost Key	$30Not compared: Box drilling or key fee	Not stated	None
Legal Process Fee	$100	per item	None
Other Fees
Photocopies and Microfilm Copies	$2	per item	None
Statement Copies	$5	Not stated	None

Correct a fee source

Oct 11, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Branches and public record

Where First Federal Savings and Loan Association of San Rafael operates, and what regulators and customers have on file.

Enforcement actions

None on file with the OCC

The OCC has no public enforcement action against this bank or its holding company on file.

Source: public enforcement action lists from the OCC, read November 4, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.

Fee change alerts

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