This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
South Bend, IN
Health score
92.5
Total assets
$9.3B
Bank
Santa Ana, CA
Health score
64.2
Total assets
$9.2B
Answer first
1st Source Bank leads on financial health and capitalization and profitability; First American Trust, FSB leads on lending quality and growth. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
1st Source Bank
Higher TFS health score
Capitalization
1st Source Bank
Higher comparable capital ratio
Profitability
1st Source Bank
Higher return on assets
Lending quality
First American Trust, FSB
Lower problem-loan measure
Growth
First American Trust, FSB
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | 1st Source Bank | First American Trust, FSB |
|---|---|---|
| TFS health score | 92.5/100Leads | 64.2/100 |
| Total assets | $9.3B | $9.2B |
| Total deposits / shares | $7.4B | $8.7B |
| Tier 1 capital ratio | 13.72%Leads | 7.89% |
| Return on assets | 1.99%Leads | 1.45% |
| Return on equity | 14.72% | 23.05% |
1st Source Bank
81 branches
First American Trust, FSB
10 branches
Both institutions report branches in 1 state: FL.
1st Source Bank
Unavailable
First American Trust, FSB
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
1st Source Bank
0 in TFS registry
First American Trust, FSB
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | 1st Source Bank score | 1st Source Bank ROA | First American Trust, FSB score | First American Trust, FSB ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 1.62% | — | -3.52% |
| 2024-Q4 | — | 1.58% | — | -2.23% |
| 2025-Q1 | — | 1.77% | — | 1.59% |
| 2025-Q2 | — | 1.75% | — | 1.61% |
| 2025-Q3 | — | 1.82% | — | 1.55% |
| 2025-Q4 | — | 1.84% | — | 1.59% |
| 2026-Q1 | 89.7/100 |
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Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.
| Non-performing loans | 0.99% | 0.00%Leads |
| Net charge-offs | 0.13% | 0.00%Leads |
| Efficiency ratio | 46.45% | 32.84%Leads |
| Loan-to-deposit ratio | 94.97% | 0.00% |
| Asset growth (YoY) | 1.92% | 30.75%Leads |
| Deposit / share growth (YoY) | -0.14% | 30.98%Leads |
| Branches | 81 | 10 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| 1.83% |
| 70.0/100 |
| 1.53% |
| 2026-Q2 | 92.5/100 | 1.99% | 64.2/100 | 1.45% |