First American Trust, FSB
First American Trust, FSB reported total assets of $9.2 bn at Q2 2026, up 30.8% on a year earlier, the 173rd largest of 497 banks in our US coverage. The CET1 capital ratio at First American Trust, FSB was 33.45%, and the uninsured share of First American Trust, FSB was 63.84%. Source: FDIC Call Reports.
Key takeaways
- First American Trust, FSB reports one of the lowest noncurrent loans to total loans readings among banks of $1 bn to $10 bn: 0.00% at , where the median of the 339 banks is 0.58% (FDIC Call Reports).
- The loan-to-deposit ratio of First American Trust, FSB, 0.00% at , places First American Trust, FSB in the bottom tenth of banks of $1 bn to $10 bn (group median 88.61%; FDIC Call Reports).
- Few banks of $1 bn to $10 bn report a higher common equity tier 1 (CET1) ratio than First American Trust, FSB, at 33.45% in against a group median of 13.22% (FDIC Call Reports).
What sets First American Trust, FSB apart
- First American Trust, FSB reports one of the lowest tier 1 leverage ratio readings among banks of $1 bn to $10 bn: 7.89% at , where the median of the 339 banks is 10.45%.
- At 63.84%, the uninsured share of domestic deposits of First American Trust, FSB sits in the top tenth of its size group ($1 bn to $10 bn, 339 banks), where the median is 32.61%.
- On net interest margin, First American Trust, FSB slipped from 386th to 449th among 500 US banks between and (1 = highest).
How large is First American Trust, FSB?
The balance sheet of First American Trust, FSB at : assets $9.2 bn, deposits $8.7 bn, net loans $0. Securities make up 77.3% of total assets at First American Trust, FSB. Since , when First American Trust, FSB held $3.1 bn, its assets grew 200.8%. In the year to , deposits at First American Trust, FSB rose 31.0% while its total assets rose 30.8%. At , First American Trust, FSB employed 231 full-time equivalent staff across 10 offices, about $40.0 mn of assets per employee and $870.1 mn of deposits per office.
How much funding at First American Trust, FSB is uninsured?
At First American Trust, FSB, uninsured deposits (above the FDIC limit) made up 63.84% of domestic deposits at (-0.54 pp on a year earlier); First American Trust, FSB ranks 21st of 500 on this measure. In dollars, First American Trust, FSB estimated $5.6 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $8.7 bn | +31.0% | 155th of 499 |
| Net loans and leases | $0 | not available | 499th of 500 |
| Loan-to-deposit ratio | 0.00% | 0.00 pp | 499th of 500 |
| Tier 1 leverage ratio | 7.89% | -0.54 pp | 476th of 500 |
| Total risk-based capital ratio | 33.45% | -1.89 pp | 11th of 448 |
| Net interest margin | 2.72% | -0.28 pp | 449th of 500 |
| Return on assets (ROA) | 1.45% | -0.16 pp | 171st of 500 |
| Efficiency ratio | 32.84% | +1.42 pp | 28th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $243.4 mn | Narrowed by $842,000 | |
| Noncurrent loans to total loans | 0.00% | 0.00 pp | 1st of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.00% | 0.00 pp | 50th of 500 (1 = lowest) |
US rank of First American Trust, FSB: 1 = highest unless marked 1 = lowest.
Balance sheet
First American Trust, FSB: assets, deposits and loans
- Total assets $9.2bn
- Deposits $8.7bn
- Net loans $0
Capital and securities
The CET1 ratio of First American Trust, FSB stood at 33.45% in , -1.89 pp year on year. Low and high at First American Trust, FSB since : 25.87% () to 38.40% (). Equity capital of First American Trust, FSB at : $513.1 mn, or 5.6% of total assets. First American Trust, FSB also reported a total capital ratio of 33.45% for , and a tier 1 leverage ratio of 7.89%.
The available-for-sale portfolio of First American Trust, FSB showed an unrealized loss of $243.4 mn at ; the loss narrowed by $842,000 over the year.
First American Trust, FSB: capital ratios
- Total capital 33%
- CET1 33%
- Tier 1 leverage 7.9%
First American Trust, FSB: unrealized securities gains and losses
- Available for sale -$243mn
- Held to maturity $0
Profitability and loan quality
For the year to , First American Trust, FSB earned a return on equity of 23.05%; return on assets: 1.45%. Net interest margin at First American Trust, FSB: 2.72%, -0.28 pp in a year. First American Trust, FSB net income: $58.9 mn, up 10.9% year on year. The efficiency ratio of First American Trust, FSB was 32.84%: about 33 cents cost per revenue dollar, against 46 cents at the median peer.
At , noncurrent loans were 0.00% of total loans at First American Trust, FSB; net charge-offs: 0.00% of average loans. Gross loans and leases at First American Trust, FSB: $0.
First American Trust, FSB: profitability
- Return on equity 23%
- Net interest margin 2.7%
- Return on assets 1.5%
Peer group of First American Trust, FSB
The peer group of First American Trust, FSB is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 0 share the charter type of First American Trust, FSB (federal savings bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in California. Against them, First American Trust, FSB shows CET1 ratio 33.45% against a peer median of 13.14%, return on equity 23.05% against a peer median of 15.62% and uninsured deposit share 63.84% against a peer median of 24.01%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| 1st Source Bank | State member bank | IN | $9.3 bn | 14.84% | 14.72% | 53.84% | |
| Lake Forest Bank & Trust Company | National bank | IL | $9.3 bn | 11.16% | 21.10% | 49.90% | |
| Union Bank and Trust Company | State nonmember bank | NE | $9.2 bn | 12.70% | 15.67% | 11.78% | |
| First American Trust, FSB | Federal savings bank | CA | $9.2 bn | 33.45% | 23.05% | 63.84% | |
| The Bancorp Bank | National bank | SD | $9.2 bn | 14.27% | 31.84% | 2.84% | |
| Pinnacle Bank | State nonmember bank | NE | $9.2 bn | 12.35% | 15.56% | 30.89% | |
| First Mid Bank & Trust | National bank | IL | $9.1 bn | 13.58% | 9.42% | 17.14% | |
. FDIC Call Reports.
Last eight quarters
Two years at First American Trust, FSB, to : assets +25.8%, deposits +25.1%, equity +54.9%. Staff 196 to 231.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $7.3 bn | $6.1 bn | $6.6 bn | $7.1 bn | $8.0 bn | $6.8 bn | $8.3 bn | $9.2 bn |
| Total deposits | $7.0 bn | $5.9 bn | $6.3 bn | $6.6 bn | $7.5 bn | $6.2 bn | $7.8 bn | $8.7 bn |
| Bank equity capital | $331.3 mn | $253.4 mn | $353.7 mn | $397.1 mn | $465.5 mn | $509.9 mn | $509.2 mn | $513.1 mn |
| CET1 ratio | 30.43% | 33.93% | 36.18% | 35.34% | 37.11% | 36.39% | 35.59% | 33.45% |
| Return on equity (ROE) | -107.79% | -65.17% | 33.32% | 31.71% | 29.29% | 27.68% | 22.62% | 23.05% |
| Uninsured share of domestic deposits | 65.35% | 66.49% | 65.22% | 64.39% | 65.32% | 62.38% | 60.03% | 63.84% |
| Full-time equivalent employees | 196 | 195 | 206 | 213 | 216 | 221 | 229 | 231 |
| Number of offices | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 |
FDIC Call Reports.
Mergers and acquisitions
Large one-quarter moves at First American Trust, FSB
- Total assets at First American Trust, FSB changed by +33.2% in the quarter to 2018-09-30, with no FDIC structure event in that quarter.
- Total assets at First American Trust, FSB changed by +34.0% in the quarter to 2021-03-31, with no FDIC structure event in that quarter.
- Total assets at First American Trust, FSB changed by +30.2% in the quarter to 2023-12-31, with no FDIC structure event in that quarter.
- Total assets at First American Trust, FSB changed by -26.5% in the quarter to 2024-03-31, with no FDIC structure event in that quarter.
Questions and identifiers
What were the total assets of First American Trust, FSB?
First American Trust, FSB reported $9.2 bn at in its Call Report. That makes First American Trust, FSB the 173rd largest of 497 banks in our US coverage.
Is First American Trust, FSB the same as its holding company?
No. This page covers First American Trust, FSB, FDIC certificate 26312; First American Financial Corp, its holding company, reports separately to the Federal Reserve.
Is First American Trust, FSB profitable?
First American Trust, FSB reported net income of $58.9 mn for the year to ; annualized return on equity: 23.05%. So yes: First American Trust, FSB made a profit over these months.
When is data for First American Trust, FSB next updated?
Figures from First American Trust, FSB for are due after .
Where can I check the figures for First American Trust, FSB?
In the FDIC BankFind Suite record for certificate 26312, and in the Call Reports of First American Trust, FSB (RSSD ID 1883321) at the FFIEC Central Data Repository.