TellerScore

First American Trust, FSB (FDIC certificate #26312) is based in Santa Ana, California. Its Q2 2026 call report shows $9.2B in total assets and $8.7B in deposits and 11 offices across 11 states.

Based on its Q2 2026 filing, First American Trust, FSB scores 67/100, which we describe as moderate. That is higher than only 44% of 897 banks with $1 billion – $10 billion. Among 116 banks headquartered in California, it ranks 69th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is capital cushion (29/100; 7.89%).

TellerScore · Q2 2026

Scorecard

Capital cushion29/100
Tier 1 leverage ratio: 7.89%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings78/100
Return on assets (annualized): 1.45%
Funding & liquidity50/100
Loans ÷ deposits and uninsured-deposit share: 0.0% · 63.8% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 3 points (70 → 67), mostly because the earnings component weakened by 6 points.

TellerScore
496070Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202470
Q3 202449
Q4 202450
Q1 202570
Q2 202570
Q3 202570
Q4 202570
Q1 202670
Q2 202667
Tier 1 leverage ratio
5.00%7.75%10.51%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.51%
Q3 20247.19%
Q4 20247.37%
Q1 20258.48%
Q2 20258.43%
Q3 20258.82%
Q4 20258.52%
Q1 20268.66%
Q2 20267.89%
Noncurrent loans
-1.00%0.00%1.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
-3.52%-0.96%1.61%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.83%
Q3 2024-3.52%
Q4 2024-2.23%
Q1 20251.59%
Q2 20251.61%
Q3 20251.55%
Q4 20251.59%
Q1 20261.53%
Q2 20261.45%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202667$9.2B7.89%0.00%1.45%0.0%
Q1 202670$8.3B8.66%0.00%1.53%0.0%
Q4 202570$6.8B8.52%0.00%1.59%0.0%
Q3 202570$8.0B8.82%0.00%1.55%0.0%
Q2 202570$7.1B8.43%0.00%1.61%0.0%
Q1 202570$6.6B8.48%0.00%1.59%0.0%
Q4 202450$6.1B7.37%0.00%-2.23%0.0%
Q3 202449$7.3B7.19%0.00%-3.52%0.0%
Q2 202470$6.4B10.51%0.00%0.83%0.0%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio7.89%
3rd
Total risk-based capital33.45%
98th
Problem loans0.00%
98th
Net charge-offs0.00%
82nd
Return on assets1.45%
67th
Net interest margin2.72%
8th
Efficiency ratio32.8%
96th
Loans to deposits0.0%
100th
Uninsured deposits63.8%
3rd
Loan-loss reserves0.00%
1st
Texas ratio0.0%
98th

Similar-size banks in California

InstitutionScoreAssetsCapitalProblem loansCompare
Tri Counties BankBank Chico, CA70 out of 100, Strong$9.9B12.0%0.94%vs
Poppy BankBank Santa Rosa, CA52 out of 100, Below average$8.3B9.7%1.89%vs
Hanmi BankBank Los Angeles, CA73 out of 100, Strong$8.0B11.7%0.15%vs
Preferred BankBank Los Angeles, CA58 out of 100, Moderate$7.7B10.6%1.57%vs
Mizrahi Tefahot Bank, Ltd.Bank Los Angeles, CA45 out of 100, Below average$7.4B0.0%0.12%vs
Smbc ManubankBank Los Angeles, CA54 out of 100, Below average$6.6B9.6%0.30%vs

Deposit insurance

Is my money safe at First American Trust, FSB?

Yes. First American Trust, FSB is an FDIC-insured institution (FDIC certificate #26312). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 63.8% of deposits ($5.6B) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 7.89%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 33.45% (benchmark: 10%).

Check how much of your own balance is covered

11 locations

Branches

First American Trust, FSB lists 11 offices in 11 cities across 11 states. Most locations:

All branch addresses and map

CFPB complaint database

Consumer complaints

Over the last three years, the CFPB forwarded 49 consumer complaints about FIRST AMERICAN FINANCIAL CORPORATION to the company (15 in the last 12 months). 100.0% received a timely response. That is 5.6 complaints per $1 billion of deposits, versus a median of 8.5 among institutions with complaint data.

Complaint counts reflect volume, not validity: the CFPB does not verify complaints, and large institutions receive more because they serve more customers. Complaints are filed under the parent company name, which may cover affiliates.

Complaint breakdown by product and issue

Identity & history

Profile

Legal name
First American Trust, FSB
Former names
First American Trust Company
Type
Savings bank
FDIC certificate #
26312
RSSD ID
1883321
Primary regulator
OCC
Holding company
First American Financial Corp
Established
July 30, 1985
Headquarters
5 First American Way, Santa Ana, CA 92707
Employees
231

Quick answers

First American Trust, FSB: common questions

Is First American Trust, FSB FDIC insured?

Yes. First American Trust, FSB is an FDIC-insured institution (FDIC certificate #26312). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First American Trust, FSB's TellerScore?

67 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has First American Trust, FSB ever failed?

There is no failure record for FDIC certificate #26312 in the FDIC failed bank list.

How many branches does First American Trust, FSB have?

11 offices as of the latest FDIC data, in 11 states.

Nearby

Highest-scoring banks and credit unions with branches near Santa Ana

InstitutionScoreAssetsCapitalProblem loansCompare
Capital Bank and Trust CompanyBank Irvine, CA94 out of 100, Very strong$266.1M79.3%0.00%vs
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Long Beach Firemen S Credit UnionCredit union Long Beach, CA91 out of 100, Very strong$201.5M29.4%0.02%vs
Santa Ana Federal Credit UnionCredit union Santa Ana, CA90 out of 100, Very strong$111.6M13.5%0.06%vs
California International Bank, N.A.Bank Westminster, CA89 out of 100, Very strong$120.9M13.5%0.00%vs
Certified Federal Credit UnionCredit union El Monte, CA88 out of 100, Very strong$925.3M20.7%0.37%vs