Santa Ana, CA · Cert 26312 · First American Financial Corp.
State savings bank · OCC · 10 branches
Q2 2026
Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 1.1% share · #16 of 107 inst. · $7.3B of $667.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| 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 Margin | 1.88% | 2.09% | 2.88% | 2.82% | 2.85% | 2.66% | 2.78% | 2.48% | -34 bps | |
| Efficiency Ratio | 39.82% | 36.35% | 31.85% | 31.42% | 31.65% | 31.99% | 31.43% | 32.84% | +142 bps | |
| Non-Interest Burden | 0.54% | 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/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/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 / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.19% | 7.37% | 8.48% | 8.43% | 8.82% | 8.52% | 8.66% | 7.89% | -54 bps | |
| Total Risk-Based Capital | 30.43% | 33.93% | 36.18% | 35.34% | 37.11% | 36.39% | 35.59% | 33.45% | -189 bps | |
| Equity / Assets | 4.52% | 4.14% | 5.34% | 5.63% | 5.84% | 7.53% | 6.12% | 5.56% | -7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Liquid Assets / Assets | 31.75% | 17.35% | 22.30% | 19.72% | 27.95% | 9.50% | 20.86% | 20.34% | +61 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 0.00% | 0.00% | 0.00% | n/a | n/a | |