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

Unfavorable gap of $51.1M · efficiency ratio beats 84% of banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
Earnings
Return on Assets	1.28%	1.10%	1.26%	1.57%	Beats 53%	9 / 19
Return on Equity	22.94%	8.62%	11.28%	14.70%	Beats 95%	1 / 19
Net Interest Margin	2.48%	3.07%	3.30%	3.62%	Beats 11%	17 / 19
Efficiency Ratio	32.84%	33.01%	51.12%	56.65%	Beats 84%	4 / 19
Asset Quality
Nonperforming Loans / Loans	n/a	Not reported for this institution
Net Charge-Offs / Loans	n/a	Not reported for this institution
Capital
Tier 1 Capital Ratio	33.45%	12.10%	14.67%	23.92%	Beats 89%	2 / 19
Total Risk-Based Capital Ratio	33.45%	13.35%	14.67%	24.05%	Beats 89%	2 / 19
Equity / Assets	5.56%	9.84%	11.18%	14.01%	Beats 0%	19 / 19
Liquidity & Funding
Loans / Deposits	0.00%	79.34%	95.16%	100.04%	0th pctl	18 / 19
Loans / Assets	0.00%	69.86%	77.55%	83.04%	0th pctl	18 / 19
Brokered Deposits / Deposits	n/a	Not reported for this institution