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First American Trust, FSB
Santa Ana, CA·FDIC Cert #26312·Charter: OCC·Est. 19850730.0·HC: FIRST AMERICAN FINANCIAL CORP
Total Assets
$6.8B
Q4 2025
Return on Assets
1.59%
+0.04%Peer avg: 1.21%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
31.99%
Peer avg: 57.4%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
76
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.59%+0.04
ROE
27.68%-1.61
Efficiency
31.99%+0.34
Equity/Assets
0.00%+0.00
NPL Ratio
0.00%+0.00
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
0.00%+0.00
Charge-offs
0.00%+0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.8 | 0.8 | -3.5 | -2.2 | 1.6 | 1.6 | 1.5 | 1.6 |
| ROE | 29.9 | 29.6 | -107.8 | -65.2 | 33.3 | 31.7 | 29.3 | 27.7 |
| Efficiency | 41.7 | 42.2 | 39.8 | 36.3 | 31.8 | 31.4 | 31.7 | 32.0 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | — | — | — | — | — | — | — | — |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Loan/Deposit | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
Balance Sheet
Total Assets$6.8B
Total Deposits$6.2B
Total Loans$0
Total Equity$509.9M
Profitability
ROA1.59%
ROE27.68%
Efficiency Ratio31.99%
Net Income$109.6M
Risk & Asset Quality
NPL RatioN/A
Charge-off Rate0.00%
Loan/Deposit0.00%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans