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First American Trust, FSB

Santa Ana, CA · Cert 26312 · First American Financial Corp.

State savings bank · OCC · 10 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=19). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

59

Q2 2024Q2 2026peer median (50)

Asset Quality

No peer data yet

Profitability

53

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

84

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First American Trust, FSB

Santa Ana, CA · Cert 26312 · First American Financial Corp.

State savings bank · OCC · 10 branches

Q2 2026

$9.2BAssets
$0KLoans
$8.7BDeposits
$513.1MEquity
Deposit mix
52%Interest-bearing $4.5B48%Noninterest $4.2BQ3 2024Q2 2026

Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 1.1% share · #16 of 107 inst. · $7.3B of $667.8B

4.6% Orange
0.3% Maricopa
4.3% Indian River
0.5% Travis

Executive Summary

  • Earnings: ROA of 1.45%, down 16 bps year over year; NIM at 2.48%.
  • Capital: tier 1 leverage ratio of 7.89%, down 54 bps from a year ago.
  • Funding: loans stand at 0.00% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.45%-16 bps YoY

Net Interest Margin (YTD, annualized)

2.48%-34 bps YoY

Efficiency Ratio (YTD, annualized)

32.84%+142 bps YoY

Tier 1 Leverage Ratio

7.89%-54 bps YoY

NIM

2.60%Q2 ’243.68%Q2 ’253.56%Q2 ’26+60%-12%

Non-interest income vs. expense

0.89%Q2 ’241.01%Q2 ’250.92%Q2 ’26+14%-5%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-3.52%-2.23%1.59%1.61%1.55%1.59%1.53%1.45%-16 bps
Return on Equity-107.79%-65.17%33.32%31.71%29.29%27.68%22.62%23.05%-866 bps
Net Interest Margin1.88%2.09%2.88%2.82%2.85%2.66%2.78%2.48%-34 bps
Efficiency Ratio39.82%36.35%31.85%31.42%31.65%31.99%31.43%32.84%+142 bps
Non-Interest Burden0.54%0.54%0.63%0.62%0.64%0.61%0.61%0.59%-3 bps
Growth
Asset Growth (YoY)18.00%-24.38%11.37%10.50%8.72%10.62%25.68%30.75%+2,025 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)12.39%-25.66%8.87%8.35%7.71%6.66%24.67%30.98%+2,263 bps
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio7.19%7.37%8.48%8.43%8.82%8.52%8.66%7.89%-54 bps
Total Risk-Based Capital30.43%33.93%36.18%35.34%37.11%36.39%35.59%33.45%-189 bps
Equity / Assets4.52%4.14%5.34%5.63%5.84%7.53%6.12%5.56%-7 bps
Liquidity & Funding
Loans / Deposits0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Liquid Assets / Assets31.75%17.35%22.30%19.72%27.95%9.50%20.86%20.34%+61 bps
CRE / Total Capitaln/an/an/an/a0.00%0.00%0.00%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

First American Trust, FSB

Santa Ana, CA · Cert 26312 · Peer group: banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=19) · First American Financial Corp.

State savings bank · OCC · 10 branches

Q2 2026

$9.2BAssets
$0KLoans
$8.7BDeposits
$513.1MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 95% of banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 1 of 19).
  • Widest gap: equity / assets trails 100% of banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 19 of 19).
  • Overall: at or above the peer median on 5 of 7 directional measures.

Return on Assets

1.28%

Rank 9 of 19

Net Interest Margin

2.48%

Rank 17 of 19

Efficiency Ratio

32.84%

Rank 4 of 19

Equity / Assets

5.56%

Rank 19 of 19

Non-interest income vs. expense

$29.1M$80.2MINCOMEEXPENSE
Unfavorable gap of $51.1M · efficiency ratio beats 84% of banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area
Bank 32.84%Peer median 51.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.28%1.10%1.26%1.57%Beats 53%9 / 19
Return on Equity22.94%8.62%11.28%14.70%Beats 95%1 / 19
Net Interest Margin2.48%3.07%3.30%3.62%Beats 11%17 / 19
Efficiency Ratio32.84%33.01%51.12%56.65%Beats 84%4 / 19
Asset Quality
Nonperforming Loans / Loansn/aNot reported for this institution
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio33.45%12.10%14.67%23.92%Beats 89%2 / 19
Total Risk-Based Capital Ratio33.45%13.35%14.67%24.05%Beats 89%2 / 19
Equity / Assets5.56%9.84%11.18%14.01%Beats 0%19 / 19
Liquidity & Funding
Loans / Deposits0.00%79.34%95.16%100.04%0th pctl18 / 19
Loans / Assets0.00%69.86%77.55%83.04%0th pctl18 / 19
Brokered Deposits / Depositsn/aNot reported for this institution