# FIRST AMERICAN TRUST FSB
SANTA ANA, CA · FDIC certificate 26312 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $9.23B | |
| Deposits | $8.70B | |
| Loans and leases | $0 | |
| Total equity | $513.1M | |
| Loans / deposits | 0.00% (p1 of band) | 87.10% |
| Liquid assets / assets | 98.28% (p100 of band) | |
| Uninsured deposits / deposits | 63.84% (p97 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p6 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.89% (p3 of band) | 10.50% |
| Unrealized securities loss / equity | -47.45% (p3 of band) | -7.75% |
| AOCI / equity | -10.85% (p0 of band) | |
| ROA (annualized) | 1.45% (p67 of band) | 1.26% |
| Net interest margin | 2.72% (p8 of band) | 3.70% |
| Efficiency ratio | 32.84% (p4 of band) | |
| Noncurrent loans | 0.00% (p2 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p18 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | – | |
| Construction % of loans | 0.00% (p2 of band) | |
| Auto loans | $0 (– of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 31.0% | |
| Employees | 231 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | uninsured deposits >50%, NIM <2.5% |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 3 | capital falling |  |
| 2013-06 | 2 |  | capital falling |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 3 | capital falling |  |
| 2014-09 | 2 |  | capital falling |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 3 | capital falling |  |
| 2015-09 | 3 |  |  |
| 2015-12 | 2 |  | capital falling |
| 2016-03 | 2 |  |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 3 | assets shrinking |  |
| 2017-12 | 2 |  | assets shrinking |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 3 | capital falling |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 2 |  | capital falling |
| 2019-06 | 2 |  |  |
| 2019-09 | 4 | deposits shrinking, assets shrinking |  |
| 2019-12 | 4 |  |  |
| 2020-03 | 4 |  |  |
| 2020-06 | 2 |  | deposits shrinking, assets shrinking |
| 2020-09 | 2 |  |  |
| 2020-12 | 3 | capital falling |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 4 | leverage <7% |  |
| 2021-09 | 3 |  | capital falling |
| 2021-12 | 3 |  |  |
| 2022-03 | 5 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 4 |  | leverage <7% |
| 2022-09 | 2 |  | AOCI drag >20% of equity, securities losses >30% of equity |
| 2022-12 | 6 | AOCI drag >20% of equity, securities losses >30% of equity, assets shrinking, uninsured deposits leaving |  |
| 2023-03 | 6 | deposits shrinking | AOCI drag >20% of equity |
| 2023-06 | 4 |  | assets shrinking, deposits shrinking |
| 2023-09 | 7 | AOCI drag >20% of equity, deposits shrinking, assets shrinking |  |
| 2023-12 | 3 |  | uninsured deposits leaving, AOCI drag >20% of equity, deposits shrinking, assets shrinking |
| 2024-03 | 5 | deposits shrinking, assets shrinking |  |
| 2024-06 | 5 |  |  |
| 2024-09 | 4 | losing money | deposits shrinking, assets shrinking |
| 2024-12 | 7 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2025-03 | 2 |  | NIM <2.5%, losing money, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |
| 2026-06 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-23 [Q2 earnings jump at First American Financial (NYSE: FAF) - Stock Titan](https://news.google.com/rss/articles/CBMivgFBVV95cUxNOGU0U2dhUzNSVEczM2tpUEJMSlptNFE5NW90ZDBiWmZMaTNicENKbVA0MUhLOXNZenBCVkJrLVZFanRYMGlQX09malpMZExpc01vd29WVHMydTJsVjQwY2NlUmRrNm9aZGVHOGF2LVptR0puZjMxNl9iZllqa215aWNURzRzSW1XdUhOTVdhUTRuSmZiSkFyam9yazNCSm5fSmtUMkpCV0hjc1hBMVV2UTFyZkZLZUNSU3hDaTNR?oc=5) · Stock Titan
- 2020-12-17 [Fraudulent ministry attempted to buy $3.1 million Orlando home with CARES Act funds, documents reveal - WKMG](https://news.google.com/rss/articles/CBMi5gFBVV95cUxQRjQ3eUpQQUM1bjRyZTByWE9PbmdsMExEQ0xZa1B5bnBaTXVlTS0yRHgyT1VnUXc4UWpMSDU5SFNMbk5MUkFraFRvTU1NMEF5Vzg5VUY1VmhlOFhtbUpxeDJ0dkw0VEJSQWVnaUtla1l1X2E0b01oNENwWXhCV0EzWHpYZkNQM1kyN2J1eEFESnVtTU9xRUpnTHlHbW1TbmgyODVQb2tqNlJoLTlCWThrSmdxMG4yems5dGs1bmF2SXVuUkpzWGxkYnBJZEpSYkVlcVVlTVZWdms4WVRkd21VNHJLVU1rUQ?oc=5) · WKMG

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=26312 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/8.json (key "26312", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide