BlastPoint's Banking Scorecard
First American Trust, FSB
Mid-Market
Specialty: Mortgage
CA
FDIC cert 26312
Santa Ana, CA
201
banks in Mid-Market tier nationally
18 in CA
View Mid-Market leaderboard (CA) →
First American Trust, FSB shows strong momentum with 5 strengths and 10.6% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 6% in Mid-Market
- + Efficiency Ratio 24.62% below tier
- + Non-Interest-Bearing Deposit Share 34.58% above tier
- + Nonperforming Asset Ratio 0.50% below tier
- + Tier 1 Capital Ratio 22.84% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$6.8B
+10.6% YoY
-15.1% QoQ
|
-$3.7B |
$10.5B
+2.9% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
29% |
| Total Loans ? | $0 | -$7.1B |
$7.1B
+4.5% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 1% in tier |
| Total Deposits ? |
$6.2B
+6.7% YoY
-16.6% QoQ
|
-$2.3B |
$8.5B
+3.0% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
41% |
| Return on Assets ? |
1.59%
+171.1% YoY
+2.3% QoQ
|
+0.42% |
1.16%
+9.4% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
79% |
| Net Interest Margin ? |
2.93%
+28.1% YoY
+1.8% QoQ
|
-0.47% |
3.40%
+7.9% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
25% |
| Efficiency Ratio ? |
31.99%
-12.0% YoY
+1.1% QoQ
|
-24.62% |
56.60%
-3.2% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
Top 7% in tier |
| Delinquency Rate ? | - | - |
0.68%
+12.0% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
- |
| Loan-to-Deposit Ratio ? | 0.00% | -85.47% |
85.47%
+1.1% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
- |
| Non-Interest-Bearing Deposit Share ? |
55.22%
-0.1% YoY
+13.1% QoQ
|
+34.58% |
20.64%
-0.3% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
Top 2% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.50% |
0.50%
+7.3% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
36.39%
+7.3% YoY
-1.9% QoQ
|
+22.84% |
13.55%
+1.8% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
Top 1% in tier |
| Non-Interest Income / Assets ? |
0.39%
-1.7% YoY
+59.7% QoQ
|
-0.57% |
0.96%
+7.1% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
22% |
Signature Analysis
Strengths (5)
Profitability Leader
growth
#4 of 51 · Top 6% in Mid-Market
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.59%
(Tier: 1.16%, National: 1.12%)
51 of 51 Mid-Market banks match
·
444 nationally
→ Stable
+5 banks QoQ
Efficiency Ratio
metric
Top 7%
in Mid-Market
Why this stands out
Current:
31.99%
(Tier avg: 56.60%, National avg: 65.09%)
Non-Interest-Bearing Deposit Share
metric
Top 2%
in Mid-Market
Why this stands out
Current:
55.22%
(Tier avg: 20.64%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Top 1%
in Mid-Market
Why this stands out
Current:
0.00%
(Tier avg: 0.50%, National avg: 0.48%)
Tier 1 Capital Ratio
metric
Top 1%
in Mid-Market
Why this stands out
Current:
36.39%
(Tier avg: 13.55%, National avg: 9.75%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
100
100th pctile
Tier 1 Capital Ratio
Current: 36.39% · Tier avg: 13.55%
98
98th pctile
Non-Interest-Bearing Deposit Share
Current: 55.22% · Tier avg: 20.64%
93
93th pctile
Efficiency Ratio
Current: 31.99% · Tier avg: 56.60%
79
79th pctile
Return on Assets
Current: 1.59% · Tier avg: 1.16%
41
41th pctile
Total Deposits
Current: $6.2B · Tier avg: $8.5B
29
29th pctile
Total Assets
Current: $6.8B · Tier avg: $10.5B
25
25th pctile
Net Interest Margin
Current: 2.93% · Tier avg: 3.40%
22
22th pctile
Non-Interest Income / Assets
Current: 0.39% · Tier avg: 0.96%
1
1th pctile
Total Loans
Current: $0 · Tier avg: $7.1B
Top Weaknesses
1
1th pctile
Total Loans
Current: $0 · Tier avg: $7.1B
22
22th pctile
Non-Interest Income / Assets
Current: 0.39% · Tier avg: 0.96%
25
25th pctile
Net Interest Margin
Current: 2.93% · Tier avg: 3.40%
29
29th pctile
Total Assets
Current: $6.8B · Tier avg: $10.5B
41
41th pctile
Total Deposits
Current: $6.2B · Tier avg: $8.5B
79
79th pctile
Return on Assets
Current: 1.59% · Tier avg: 1.16%
93
93th pctile
Efficiency Ratio
Current: 31.99% · Tier avg: 56.60%
98
98th pctile
Non-Interest-Bearing Deposit Share
Current: 55.22% · Tier avg: 20.64%
100
100th pctile
Tier 1 Capital Ratio
Current: 36.39% · Tier avg: 13.55%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%