PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First American

Casa Grande, AZ · Charter 64412

NCUA · 3 branches

Q2 2026

$120.0MAssets
$51.7MLoans
$103.0MShares
$15.2MNet Worth

Executive Summary

  • Earnings: ROA of 0.97%, down 74 bps year over year; NIM at 3.81%.
  • Asset quality: problem loans at 0.33% of loans (0 bps YoY).
  • Capital: net worth / assets of 12.68%, down 15 bps from a year ago.
  • Funding: loans stand at 50.22% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.97%-74 bps YoY

Net Interest Margin (YTD, annualized)

3.81%-66 bps YoY

Efficiency Ratio (YTD, annualized)

75.94%+445 bps YoY

Net Worth / Assets

12.68%-15 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.80%1.62%2.04%1.71%1.69%1.41%0.88%0.97%-74 bps
Return on Equity15.61%14.09%16.85%13.36%12.59%10.85%6.61%7.68%-568 bps
Net Interest Margin4.43%4.37%4.34%4.47%4.49%4.27%4.01%3.81%-66 bps
Efficiency Ratio64.43%65.42%68.84%71.49%70.53%71.83%77.61%75.94%+445 bps
Growth
Asset Growth (YoY)6.43%-3.37%-4.55%-5.32%-2.87%-0.81%-1.18%9.70%+1,502 bps
Loan Growth (YoY)-6.91%-10.77%-10.08%-10.79%-10.97%-12.91%-16.84%-17.50%-671 bps
Share Growth (YoY)5.49%-5.13%-6.08%-7.24%-5.24%-3.22%-3.49%9.37%+1,661 bps
Asset Quality
Delinquent Loans / Loans0.22%0.25%0.13%0.32%1.08%0.43%0.35%0.33%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.52%11.53%12.09%12.83%13.40%12.98%13.31%12.68%-15 bps
Net Worth / Assets11.52%11.53%12.09%12.83%13.40%12.98%13.31%12.68%-15 bps
Liquidity & Funding
Loans / Shares69.33%66.23%64.89%66.57%65.14%59.60%55.91%50.22%-1,635 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps