First American Trust, FSB: how it compares with its peers
Against 17 CA banks with half to twice its assets, First American Trust, FSB's strongest measure in Q2 2026 is assets per employee ($40.0M vs. a $13.1M peer median). Its weakest relative measure is net interest margin (2.72% vs. 3.64%).
| Measure | First American Trust, FSB | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.45% | 1.28% | Middle third Ahead of 65% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.72% | 3.64% | Bottom third Ahead of 24% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 32.84% | 44.13% | Top third Ahead of 82% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $40.0M | $13.1M | Top third Ahead of 100% of peers |
| Loans to deposits Net loans and leases over total deposits. | 0.00% | 84.21% | Context |
What it means for lending operations
Its efficiency ratio of 32.84% is better than the 44.13% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Tri Counties Bank Chico, CA · $9.93B
- Poppy Bank Santa Rosa, CA · $8.32B
- Hanmi Bank Los Angeles, CA · $7.95B
- Preferred Bank Los Angeles, CA · $7.73B
- Mizrahi Tefahot Bank, Ltd. Los Angeles, CA · $7.39B
- Farmers and Merchants Bank of Long Beach Long Beach, CA · $11.77B
Questions about First American Trust, FSB
How big is First American Trust, FSB?
First American Trust, FSB, established in 1985, is headquartered in Santa Ana, CA. It reported $9.23B in total assets in its Q2 2026 FDIC call report and operates 11 offices.
What is First American Trust, FSB's return on assets?
1.45% annualized in Q2 2026, against a 1.28% median for 17 CA banks with half to twice its assets, ahead of 65% of them.
What is First American Trust, FSB's efficiency ratio?
32.84% in Q2 2026: it spent about 33 cents in noninterest expense for each dollar of revenue. The peer median is 44.13%, and lower is better.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are CA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every California bank ranked.