First American Trust, FSB

Headquarters

5 First American Way, 3rd Floor
Santa Ana, CA 92707
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.91% →
1-Year CD N.A. 1.01% →
2-Year CD N.A. 0.95% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

First American Trust, FSB is an FDIC insured institution located in Santa Ana, CA. It was founded in 1985 and has approximately $4.06 billion in assets. Customers can open an account at one of its 10 branches.

FDIC Insured Yes
FDIC Certificate # 26312
Date Established 1985
Assets $ 4.06 billion
Loans N.A.
Deposits $ 3.65 billion
Capital $ 378.38 million
 

For a more detailed analysis of First American Trust, FSB's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - October 31, 2020

Your Current Location: Virginia, VA 20146


Loan Rates - October 31, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for First American Trust, FSB

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
2.558% 2.500% 0.75 $1,908 $988 Learn More
Rocket Mortgage
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info

Note to First American Trust, FSB
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Branches

First American Trust, FSB branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


First American Trust, FSB Locations


Financial Details

First American Trust, FSB Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First American Trust, FSB. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
First American Trust, FSB U.S. Bank Average
0% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, First American Trust, FSB had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $378,378,000 in equity and $0 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
First American Trust, FSB U.S. Bank Average
11.63% 7.80%

First American Trust, FSB has a Return on Equity of 11.63% versus the BestCashCow average of 7.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
First American Trust, FSB U.S. Bank Average
9.33% 12.68%

First American Trust, FSB has a Capitalization of 9.33% versus the BestCashCow average of 12.68. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

First American Trust, FSB Balance Sheet Analysis

As of March 31, 2020, First American Trust, FSB had assets of $4,056,610,000, loans of $0, and deposits of $3,650,616,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2020
ASSETS
Cash & Balances due from depository institutions $ 594.75 million
Interest-bearing balances $ 542.35 million
Total securities $ 3.39 billion
Federal funds sold and reverse repurchase N.A.
Net loans and leases N.A.
Loan loss allowance N.A.
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 0.05 million
All other assets $ 74.37 million
     Total Assets $ 3.68 billion
LIABILITIES
Total deposits $ 3.65 billion
      Interest-bearing deposits $ 2.33 billion
      Deposits held in domestic offices $ 3.65 billion
      % insured (estimated) 5.24%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 27.62 million
      Total Liabilities $ 3.68 billion
      Shareholders’ Equity $ 378.38 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 17.16 million
Total Interest Expense $ 1.68 million
Net interest income $ 15.48 million
Provision for loan and lease losses N.A.
Total non interest income $ 7.82 million
Total non interest expense $ 8.02 million
Pre-tax Net Operating Income $ 15.28 million

Bank Loan Profile?

The top three loan types in First American Trust, FSB’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Credit Card Loans.

Compared to other banks, First American Trust, FSB’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans nan
Multifamily
Mortgages
nan
Credit Card Loans nan
Consumer Auto Loans nan
Small Business Loans nan
Construction and Development Loans nan
Commercial Real Estate nan
Commercial and Industrial Loans nan
Farm Loans nan

Frequently Asked Questions About First American Trust, Fsb

Branches and Savings

Is First American Trust, Fsb FDIC insured?

Yes. It is covered under FDIC Certificate #26312.

Why does First American Trust, Fsb pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are First American Trust, Fsb CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is First American Trust, Fsb a commercial bank?

Yes

Where are First American Trust, Fsb locations?

See branch locations nearby.

Is First American Trust, Fsb open on Saturdays?

Is First American Trust, Fsb open on Sundays?

What time does First American Trust, Fsb open?

What time does First American Trust, Fsb close?

Are First American Trust, Fsb ATMs Open 24/7?

Do First American Trust, Fsb ATMs accept cash deposits?

Can First American Trust, Fsb customers use other ATMs?

Do First American Trust, Fsb branches have notaries?

Will First American Trust, Fsb notarize my document?

What address for First American Trust, Fsb should I put for incoming ACH transfers?

Will the First American Trust, Fsb branch print checks?

Do First American Trust, Fsb checks expire?

Does First American Trust, Fsb require US citizenship to open account?

Can First American Trust, Fsb close my account?

Does First American Trust, Fsb Report to credit bureaus?

Does First American Trust, Fsb Use Equifax?

What is First American Trust, Fsb's ACH Routing Number?

What is First American Trust, Fsb's SWIFT code?

Products

Does First American Trust, Fsb offer mortgages?

Compare mortgage rates here.

Does First American Trust, Fsb offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does First American Trust, Fsb offer personal loans?

Compare personal loan rates here.

Does First American Trust, Fsb offer student loans?

Will First American Trust, Fsb cash a check?

Will First American Trust, Fsb redeem a savings bond?

Does First American Trust, Fsb cash savings bonds?

Will First American Trust, Fsb cash money orders?

Can First American Trust, Fsb issue a money order?

Does First American Trust, Fsb do currency exchange?

Background on The Bank

Who owns First American Trust, Fsb?

How long has First American Trust, Fsb been around?

Can First American Trust, Fsb transfer to other banks?

Does First American Trust, Fsb have quick pay?

Does First American Trust, Fsb accept rolled coins?

Will First American Trust, Fsb accept loose change?

Where is First American Trust, Fsb headquarters?

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