First American Trust, FSB: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First American Trust, FSB of Santa Ana, CA against its peer group of 941 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.39% | 1.34% | +0.05% | 57th above |
| ROAE | 23.51% | 12.34% | +11.17% | 94th top |
| Net Interest Margin | 2.66% | 3.83% | -1.17% | 6th bottom |
| Efficiency Ratio | 33.48% | 58.97% | -25.49% | 96th top |
| PPNR / Avg Assets | 1.90% | — | — | 61st above |
| Yield on Earning Assets | 3.95% | 5.71% | -1.76% | 2nd bottom |
| Cost of Funds | 0.98% | 2.02% | -1.04% | 95th top |
| Net Interest Spread | 1.44% | — | — | 2nd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPA / Total Assets | 0.00% | — | — | 98th top |
| Texas Ratio | 0.00% | 5.48% | -5.48% | 98th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 33.45% | 14.99% | +18.46% | 98th top |
| Tier 1 Ratio | 33.45% | 15.02% | +18.43% | 98th top |
| Total Capital Ratio | 33.45% | — | — | 97th top |
| Leverage Ratio | 7.89% | 11.11% | -3.22% | 2nd bottom |
| Equity / Assets | 5.56% | 11.02% | -5.46% | 1st bottom |
| TCE / Tangible Assets | 5.56% | — | — | 1st bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 0.00% | 86.99% | -86.99% | 100th top |
| Core Deposit Ratio | 100.00% | 85.57% | +14.43% | 99th top |
| Uninsured Deposit Ratio | 63.84% | 33.19% | +30.65% | 3rd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 30.75% | — | — | 95th top |
| Deposit Growth (Y/Y) | 30.98% | — | — | 94th top |
See First American Trust, FSB's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First American Trust, FSB, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First American Trust, FSB profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the First American Trust, FSB peer analysis.