BlastPoint's Banking Scorecard

First American Trust, FSB

$1B-$10B Specialty: Mortgage CA FDIC cert 26312

Santa Ana, CA

10 branches across AZ · CA · FL · HI · LA · MA · NM · NV · TX · UT

Non-lending institution — comparison caveats apply

First American Trust, FSB is a trust company, wealth-management entity, or similar non-lending FDIC institution. Loan-based ratios (Loan-to-Deposit, Delinquency Rate, Non-Performing Asset Ratio, Non-Interest-Bearing Deposit Share) and capital ratios are mathematically valid but not directly comparable to traditional banks. This bank is excluded from the Signature Analysis leaderboards for the same reason.

884 banks in the $1B-$10B peer group nationally 49 in CA

View $1B-$10B leaderboard (CA) →

First American Trust, FSB has 4 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Efficiency Ratio 29.63% below tier average
+ Non-Interest-Bearing Deposit Share 25.29% above tier average
+ Nonperforming Asset Ratio 0.67% below tier average
+ ROA 0.16% above tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.96% below tier average

Get updates when First American Trust, FSB releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Total Assets ?	$8.3B +25.7% YoY +22.9% QoQ	+$5.5B	$2.8B -0.1% YoY	$4.7B +7.7% YoY	$6.2B +9.1% YoY	Top 4.0% in tier
Total Loans ?	$0	-$2.0B	$2.0B +0.6% YoY	$3.2B +8.4% YoY	$3.2B +10.8% YoY	Bottom 0.5% in tier
Total Deposits ?	$7.8B +24.7% YoY +24.9% QoQ	+$5.5B	$2.3B -0.3% YoY	$3.9B +7.0% YoY	$4.8B +8.2% YoY	Top 1.4% in tier
Return on Assets ?	1.53% -3.8% YoY -3.7% QoQ	+0.16%	1.37% +19.6% YoY	1.80% +29.4% YoY	1.23% +13.4% YoY	73%
Net Interest Margin ?	2.86% -5.1% YoY -2.4% QoQ	-0.96%	3.82% +6.9% YoY	3.85% +3.8% YoY	3.89% +5.7% YoY	Bottom 12.4% in tier
Efficiency Ratio ?	31.43% -1.3% YoY -1.8% QoQ	-29.63%	61.06% -4.6% YoY	68.78% -8.1% YoY	66.95% -4.1% YoY	Top 2.5% in tier
Delinquency Rate ?	-	-	0.89% +14.1% YoY	1.17% +69.3% YoY	0.95% +18.8% YoY	-
Loan-to-Deposit Ratio ?	0.00%	-84.20%	84.20% +0.3% YoY	85.13% +2.0% YoY	76.70% +0.9% YoY	Top 0.1% in tier
Non-Interest-Bearing Deposit Share ?	46.58% -21.5% YoY -15.7% QoQ	+25.29%	21.29% -2.5% YoY	25.15% -3.9% YoY	22.01% -1.2% YoY	Top 2.4% in tier
Nonperforming Asset Ratio ?	0.00%	-0.67%	0.67% +15.6% YoY	0.91% +65.9% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	35.59% -1.6% YoY -2.2% QoQ	+20.43%	15.16% +2.0% YoY	21.08% -3.4% YoY	17.06% +0.8% YoY	Top 1.6% in tier
Non-Interest Income / Assets ?	0.09% -14.9% YoY -77.8% QoQ	-0.17%	0.26% +1.6% YoY	0.70% +11.6% YoY	0.32% +4.1% YoY	25%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (7 metrics)

Loan-to-Deposit Ratio

liquidity

Value: 0.00%

Peer Median: 84.20%

#1 of 884 Top 0.1% in $1B-$10B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.67%

#1 of 884 Top 0.1% in $1B-$10B

Total Deposits

size

Value: $7.80B

Peer Median: $2.34B

#13 of 884 Top 1.4% in $1B-$10B

Tier 1 Capital Ratio

capital

Value: 35.59%

Peer Median: 15.16%

#15 of 884 Top 1.6% in $1B-$10B

Non-Interest-Bearing Deposit Share

funding

Value: 46.58%

Peer Median: 21.29%

#22 of 884 Top 2.4% in $1B-$10B

Efficiency Ratio

profitability

Value: 31.43%

Peer Median: 61.06%

#23 of 884 Top 2.5% in $1B-$10B

Total Assets

size

Value: $8.32B

Peer Median: $2.82B

#36 of 884 Top 4.0% in $1B-$10B

Top Weaknesses (2 metrics)

881

Total Loans

size

Value: $0.00

Peer Median: $1.96B

#881 of 884 Bottom 0.5% in $1B-$10B

775

Net Interest Margin

profitability

Value: 2.86%

Peer Median: 3.82%

#775 of 884 Bottom 12.4% in $1B-$10B