Total Assets
$6.8B
Total balance-sheet footings
FDIC Cert #26312 · Santa Ana, California · Est. 1985
First American Trust, FSB - FDIC Bank Health Profile
A community-scale look at First American Trust, FSB's own numbers, pulled straight from its quarterly FDIC Call Report.
- $6.8B
- Total assets
- A
- Health grade · Excellent
- 1.59%
- Return on assets
- 36.4%
- Tier 1 capital
Data updated July 2026
The verdict
First American Trust, FSB earns a PlainBankData health grade of A (100/100), with well-capitalized at 36.39% Tier 1, profitable at 1.59% ROA, efficient (32% cost ratio).
- #229
- largest of 4,313 FDIC banks by assets
- 95th
- percentile by asset size, nationally
- 36.39%
- Tier 1 ratio - above the 10% well-capitalized line
- 78th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How First American Trust, FSB's 100/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First American Trust, FSB's composite health score
Tier 1 Capital Ratio (36.39%) 40/40
Return on Assets (ROA) (1.59%) 25/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (31.99%) 15/15
100 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$6.2B
Customer-funded liabilities
Net Loans
-
Outstanding loan book
Net Income
$110M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First American Trust, FSB ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First American Trust, FSB's score of 100/100 falls in the highlighted band.
First American Trust, FSB's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First American Trust, FSB's $6.8B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
36.39% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
36.39%
Texas Ratio
0.00%
Equity Capital
$510M
Profitability metrics
Return on Assets (ROA)
78th percentile nationally
1.59%
Return on Equity (ROE)
27.68%
Efficiency Ratio
31.99%
What the numbers say about First American Trust, FSB
First American Trust, FSB is an FDIC-insured institution (Certificate #26312) headquartered in Santa Ana, California, established in 1985. It holds $6.8B in total assets - 229th of 4,313 FDIC-insured banks, $6.2B in customer deposits, and - in net loans. Capital-wise, the Tier 1 ratio sits at 36.39%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 0.00%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of A (100 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Nationally, First American Trust, FSB sits in the top decile of all FDIC-insured institutions by asset size (229th of 4,313), and within California it ranks 18th of 121 state-chartered and national banks headquartered there. The next-largest bank in the state by assets is Westamerica Bank, at $5.9B. A bank of this scale carries systemic weight in its market -- its lending and deposit decisions move local credit availability in a way a community-scale institution's simply cannot.
Income & expense breakdown
$261M
Interest Income
$26M
Non-Interest Income
$71M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First American Trust, FSB reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in California by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First American Trust, FSB (FDIC Cert #26312) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in California
All California banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| City National BankLos Angeles | $98.4B | A | 0.95% |
| East West BankPasadena | $79.7B | A | 1.72% |
| Banc of CaliforniaLos Angeles | $34.7B | B | 0.78% |
| Axos BankSan Diego | $27.2B | A | 1.77% |
| Cathay BankLos Angeles | $24.2B | A | 1.38% |
| Mechanics BankWalnut Creek | $22.4B | A | 1.44% |
| Bank of HopeLos Angeles | $18.5B | B | 0.42% |
| Citizens Business Bank, National AssociationOntario | $15.6B | A | 1.39% |
Frequently asked questions
What is First American Trust, FSB's health grade?▼
First American Trust, FSB receives a health grade of A (100/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is First American Trust, FSB?▼
First American Trust, FSB holds $6.8B in total assets and $6.2B in deposits, ranking 229th of 4,313 FDIC-insured banks by asset size. It is headquartered in Santa Ana, California.
Is my money safe at First American Trust, FSB?▼
Yes, deposits at First American Trust, FSB (Certificate #26312) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First American Trust, FSB's Tier 1 Capital Ratio?▼
First American Trust, FSB has a Tier 1 Capital Ratio of 36.39%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for First American Trust, FSB?▼
First American Trust, FSB has a Texas Ratio of 0.00%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First American Trust, FSB?▼
First American Trust, FSB has an Efficiency Ratio of 31.99%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First American Trust, FSB's profile as a depositor or analyst.
- First American Trust, FSB's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First American Trust, FSB against other California banks before moving funds. California banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.