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Q2 2026 · read from the 30 June 2026 Call Report · United States · Pacific · California, the state note

First American Trust FSB

Santa Ana, California · $9.23B in assets · beside the 11 other California banks between $3B and $10B

The filing

0.0%
Loans / deposits
1st of 12
5.6%
Equity / assets
11th of 11
0.0%
CRE / capital
1st of 11

First American Trust FSB is the second largest of the 12 California banks nearest its size between $3B and $10B, with $9.23B in assets at 30 June 2026. Loans are 0.0% of deposits, the lowest in the cohort against a median of 86.5%, and equity is 5.6% of assets, the lowest in the cohort.

Return on assets is 1.36%, 5th of 11 against a median of 1.32%, on an efficiency ratio of 32.8%, 3rd of 11. Five years ago it was 0.75%. The question this shape raises is what the liquidity earns, and what a rate path does to the securities book and the deposit base.

Loans as a share of depositsCA banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 86.5% FA First American Trust FSB 0.0% WB Westamerica Bank 14.0% SM SMBC Manubank 48.2% FM Farmers & Merchants Bank Central California 72.7% MT Mizrahi Tefahot Bank LTD 79.0% RC River City Bank 85.7% TC Tri Counties Bank 87.3% CB CTBC Bank Corp. USA 88.0% FB Fremont Bank 90.6% PB Poppy Bank 92.8% HB Hanmi Bank 94.1% PB Preferred Bank 97.0%
Loans, year over yearCA banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +3.1% MT Mizrahi Tefahot Bank LTD +56.9% PB Poppy Bank +10.8% PB Preferred Bank +9.3% RC River City Bank +7.3% TC Tri Counties Bank +5.1% FB Fremont Bank +3.1% HB Hanmi Bank +3.1% CB CTBC Bank Corp. USA +2.2% FM Farmers & Merchants Bank Central California +2.2% WB Westamerica Bank -10.6% SM SMBC Manubank -40.2%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Tri Counties Bank$9.93B1.4%54.8%0.94%0.03%1.8%87.3%13.9%
First American Trust FSB$9.23B1.4%32.8%no recordno recordno record0.0%5.6%
Poppy Bank$8.32B1.3%43.2%1.89%0.38%1.4%92.8%8.9%
Hanmi Bank$7.95B1.3%51.1%0.15%0.12%1.1%94.1%11.2%
Preferred Bank$7.73B1.7%33.0%1.57%0.17%1.2%97.0%10.3%
Mizrahi Tefahot Bank LTD$7.39Bno recordno record0.12%no recordno record79.0%no record
SMBC Manubank$6.60B-3.4%16.5%0.30%4.97%0.0%48.2%11.5%
River City Bank$6.04B1.2%30.6%0.00%0.00%2.3%85.7%9.4%
Fremont Bank$5.97B1.2%73.4%0.39%0.01%1.6%90.6%7.8%
CTBC Bank Corp. USA$5.87B0.9%59.2%1.55%0.06%1.1%88.0%13.4%
Farmers & Merchants Bank Central California$5.83B1.7%44.3%0.13%0.01%2.1%72.7%11.8%
Westamerica Bank$5.77B1.8%42.5%0.12%0.14%1.6%14.0%10.5%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
First American Trust FSBCohort median
20212026Change20212026Change
Loans$0K$0K$2.89B$4.51B+56%
Deposits$6.26B$8.70B+39%$4.61B$5.47B+19%
NPA / loansno recordno record0.37%0.30%-0.07 pts
Efficiency39.4%32.8%-6.5 pts49.6%43.2%-6.4 pts
ROA0.75%1.36%+0.61 pts1.38%1.32%-0.06 pts

This read was prepared for First American Trust FSB's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on First American Trust FSB is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort CA banks $3B to $10B
Institution www.firstamtrust.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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