First American Trust, FSB: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
First American Trust, FSB is one of the more profitable banks of its size. Its balance sheet stood at $9.2 billion at June 30, 2026, up 30.8% from a year earlier; it is based in Santa Ana, California. It returns 23.5% a year on shareholders' equity, about double the median of 12.6% for the 895 banks with $1 billion to $10 billion in assets. It also spends about 33 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 58 cents).
Paper losses on its bond portfolio are shrinking: unrealized losses of $243 million equal 36% of Tier 1 capital, down from 43% a year earlier. Its margin is thin by comparison: it keeps 2.66 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.71 cents).
As of June 30, 2026, First American Trust, FSB reported a CET1 capital ratio of 33.45%, a return on assets of 1.39% and a Texas ratio of 0.00%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 5 First American Way, Santa Ana, CA 92707
- County
- Orange
- Metro Area
- Los Angeles-Long Beach-Anaheim, CA
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- —
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- July 30, 1985
- Former names
- First American Trust Company (1985-1999)
- Offices
- 11 domestic
- Employees (FTE)
- 231
- Domestic deposits
- $8.70B
- Allowance for credit losses
- $0
- Net charge-offs (YTD)
- $0
- Average total assets
- $8.68B
- Average total loans
- $0
- Average interest-bearing deposits
- $7.23B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 26312
- Fed RSSD
- 1883321
- SEC CIK
- 1472787 → filed by FIRST AMERICAN FINANCIAL CORPORATION
- Website
- www.firstamtrust.com →
- Parent Holding Company
- FIRST AMERICAN FINANCIAL CORPORATION (RSSD 1250101) · FAF
Profitability
Asset Quality
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
No provision recorded in the last 12 quarters.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full First American Trust, FSB terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock First American Trust, FSB, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios. BankRegReports early-warning band.
First American Trust, FSB rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 33.45% | 1.39% | — | 0.00% | 2.66% |
| Q1 2026 | 35.59% | 1.53% | — | 0.00% | 2.91% |
| Q4 2025 | 36.39% | 1.57% | — | 0.00% | 2.91% |
| Q3 2025 | 37.11% | 1.63% | — | 0.00% | 3.08% |
| Q2 2025 | 35.34% | 1.64% | — | 0.00% | 3.07% |
| Q1 2025 | 36.18% | 1.58% | — | 0.00% | 3.05% |
| Q4 2024 | 33.93% | 1.83% | — | 0.00% | 3.04% |
| Q3 2024 | 30.43% | -12.58% | — | 0.00% | 2.19% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 10 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First American Trust, FSB (main office) | Santa Ana , CA | 92707 | $7.27B |
| First American Trust Fsb - Arizona Branch | Scottsdale , AZ | 85258 | $545.8M |
| First American Trust, Fsb - Vero Beach Branch | Vero Beach , FL | 32963 | $242.3M |
| First American Trust Fsb - Texas Branch | Austin , TX | 78746 | $234.4M |
| First American Trust Fsb - Massachusetts Branch | Boston , MA | 02199 | $167.9M |
| First American Trust Fsb - Louisiana Branch | New Orleans , LA | 70112 | $96.1M |
| First American Trust Fsb - Utah Branch | Salt Lake City , UT | 84111 | $69.4M |
| First American Trust Fsb - Nevada Branch | Las Vegas , NV | 89169 | $47.7M |
| First Amer Tr Fsb - Albuquerque Branch | Albuquerque , NM | 87109 | $15.7M |
| First American Trust Fsb - Hawaii Branch | Honolulu , HI | 96814 | $11.2M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 30, 1985 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 30, 1985 | Structure Change | Acquired First American Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
What the public regulatory sources show for First American Trust, FSB, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.4% of deposits in CA, rank 26 of 171 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- Not on file: no SBA 7(a) loans matched
- Period: not on file. Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about First American Trust, FSB
What are First American Trust, FSB's total assets?
As of the Q2 2026 filing, First American Trust, FSB reported total assets of $9.23 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First American Trust, FSB headquartered?
First American Trust, FSB is headquartered in Santa Ana, CA, United States. It files quarterly FFIEC call reports, as every FDIC-insured savings institution must.
When was First American Trust, FSB founded?
First American Trust, FSB was established in 1985, per the FDIC institution directory.
Is First American Trust, FSB FDIC-insured?
Yes. First American Trust, FSB is an FDIC-insured savings institution (FDIC Certificate #26312). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First American Trust, FSB?
First American Trust, FSB's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First American Trust, FSB's CET1 capital ratio?
First American Trust, FSB reported a Common Equity Tier 1 (CET1) capital ratio of 33.45% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First American Trust, FSB operate?
First American Trust, FSB operates 11 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First American Trust, FSB's Texas Ratio?
First American Trust, FSB's Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was First American Trust, FSB previously called?
The charter now named First American Trust, FSB has also operated as First American Trust Company (1985-1999), per FDIC structure-change records.
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