Financial-condition comparison

First American Trust, FSB vs First Foundation Bank

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.”

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Bank

First American Trust, FSB

Santa Ana, CA

C-

Health score

64.2

Total assets

$9.2B

View full profileData through 2026-Q2

Bank

First Foundation Bank

Irvine, CA

Health score

55.2

Total assets

$11.3B

View full profileData through 2026-Q1

Answer first

Different strengths, no blanket winner

First American Trust, FSB leads on financial health and profitability and lending quality and growth; First Foundation Bank leads on capitalization. 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

Where each institution leads

Financial health

First American Trust, FSB

Higher TFS health score

Capitalization

First Foundation Bank

Higher comparable capital ratio

Profitability

First American Trust, FSB

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

Financial metrics

Winner markers appear only where the metric definitions are comparable and both values are available.

Metric	First American Trust, FSB	First Foundation Bank
TFS health score	64.2/100Leads	55.2/100
Total assets	$9.2B	$11.3B
Total deposits / shares	$8.7B	$8.8B
Tier 1 capital ratio	7.89%	9.10%Leads
Return on assets	1.45%Leads	-0.31%
Return on equity	23.05%Leads

Branch and market overlap

First American Trust, FSB

10 branches

First Foundation Bank

30 branches

Both institutions report branches in 5 states: CA, FL, HI, NV, TX.

CFPB complaint coverage

First American Trust, FSB

Unavailable

First Foundation Bank

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.

Regulatory-action context

First American Trust, FSB

0 in TFS registry

First Foundation Bank

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

Health and profitability trend

Quarter	First American Trust, FSB score	First American Trust, FSB ROA	First Foundation Bank score	First Foundation Bank ROA
2024-Q3	—	-3.52%	—	-0.75%
2024-Q4	—	-2.23%	—	-0.66%
2025-Q1	—	1.59%	—	0.25%
2025-Q2	—	1.61%	—	0.04%
2025-Q3	—	1.55%	—	-1.47%
2025-Q4	—	1.59%	—	-1.10%
2026-Q1	70.0/100

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First American Trust, FSB

First Foundation Bank

Coverage boundaries

What this does not conclude

• No product-rate, fee, or customer-service winner without product data.
• Complaint comparisons appear only when both institutions have reviewed mappings and the same complete source window.
• Regulatory actions are displayed separately and are not included in category scoring.

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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.