First American Trust, FSB
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Data as of · sourced from FFIEC call reports. How we update
First American Trust, FSB is an FDIC-insured savings institution headquartered in Santa Ana, CA, established in 1985 (FDIC certificate 26312), and it is supervised by the OCC. At Q2 2026 it reported total assets of $9.23B, up 30.8% from Q2 2025, the 12th largest of 113 banks headquartered in California. Its CET1 capital ratio was 33.45% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 26312
- Headquarters
- Santa Ana, CA
- Established
- 1985
- Total assets, Q2 2026
- $9.23B
- Assets vs Q2 2025
- +30.8%
- CET1 ratio, Q2 2026
- 33.45%
- Domestic offices
- 10 FDIC institution directory, current count
- Routing number
- 122241255
- Holding company
- FIRST AMERICAN FINANCIAL CORPORATION
- Asset rank in state
- 12th of 113 in California
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%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, First American Trust, FSB is the 12th largest of the 113 banks headquartered in California. Between Q1 2026 and Q2 2026, its total assets rose 10.9% to $9.23B, deposits rose 11.5%. The FDIC Summary of Deposits lists 10 offices for it, in 10 cities across 10 states; its Santa Ana office books 84% of its branch deposits. On its Q2 2026 call report, First American Trust, FSB meets every capital ratio test for well capitalized.
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)
- Domestic offices
- 10 FDIC institution directory, current count
- 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
Q2 annualizedAsset Quality
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
First American Trust, FSB's total assets moved between a low of $5.95B (Q1 2024) and a high of $9.23B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$9.23B total assets against $7.06B; $8.72B total liabilities against $6.66B.
$0 net loans and leases against $0; $8.70B total deposits against $6.64B.
$7.14B securities against $5.44B; $1.93B cash and balances due against $1.44B.
$82.3M total interest income against $64.6M; $27.3M total interest expense against $15.4M.
$55.1M net interest income against $49.3M.
$7.4M total noninterest income against $6.5M; $21.4M total noninterest expense against $17.3M.
No provision recorded in the last 12 quarters.
$30.0M net income against $27.8M.
1.39% return on assets against 1.64%; 2.66% net interest margin against 3.07%.
33.45% CET1 capital ratio against 35.34%; 7.89% tier 1 leverage ratio against 8.43%.
Inside the full First American Trust, FSB terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, 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
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -12.58% (Q3 2024) to 1.83% (Q4 2024) and its net interest margin ran from 2.19% (Q3 2024) to 3.08% (Q3 2025).
| 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
View all 10 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in CA, rank 26 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is First American Trust, FSB headquartered?
It is headquartered in Santa Ana, CA, United States.
When was First American Trust, FSB founded?
It was established in 1985, per the FDIC institution directory.
Is First American Trust, FSB FDIC-insured?
Yes. It 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.
What is First American Trust, FSB's CET1 capital ratio?
It 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?
It operates 10 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?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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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