First American Trust, FSB vs Wells Fargo National Bank West
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
First American Trust, FSB
Santa Ana, CA
Health score
64.2
Total assets
$9.2B
Bank
Wells Fargo National Bank West
Las Vegas, NV
Health score
74.5
Total assets
$8.8B
Answer first
Different strengths, no blanket winner
First American Trust, FSB leads on profitability and lending quality and growth; Wells Fargo National Bank West leads on financial health and 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
Wells Fargo National Bank West
Higher TFS health score
Capitalization
Wells Fargo National Bank West
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 | Wells Fargo National Bank West |
|---|---|---|
| TFS health score | 64.2/100 | 74.5/100Leads |
| Total assets | $9.2B | $8.8B |
| Total deposits / shares | $8.7B | $6.9B |
| Tier 1 capital ratio | 7.89% | 19.19%Leads |
| Return on assets | 1.45%Leads | 0.97% |
| Return on equity | 23.05%Leads | 5.30% |
| Non-performing loans | 0.00%Leads | 0.97% |
| Net charge-offs | 0.00% | 0.00% |
| Efficiency ratio | 32.84% | 23.44%Leads |
| Loan-to-deposit ratio | 0.00% | 68.21% |
| Asset growth (YoY) | 30.75%Leads | -6.77% |
| Deposit / share growth (YoY) | 30.98%Leads | -6.39% |
| Branches | 10 | 1 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
Branch and market overlap
First American Trust, FSB
10 branches
Wells Fargo National Bank West
1 branches
Both institutions report branches in 1 state: NV.
CFPB complaint coverage
First American Trust, FSB
Unavailable
Wells Fargo National Bank West
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
Wells Fargo National Bank West
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 | Wells Fargo National Bank West score | Wells Fargo National Bank West ROA |
|---|---|---|---|---|
| 2024-Q3 | — | -3.52% | — | 0.74% |
| 2024-Q4 | — | -2.23% | — | 0.80% |
| 2025-Q1 | — | 1.59% | — | 0.79% |
| 2025-Q2 | — | 1.61% | — | 0.85% |
| 2025-Q3 | — | 1.55% | — | 0.85% |
| 2025-Q4 | — | 1.59% | — | 0.87% |
| 2026-Q1 | 70.0/100 | 1.53% | 70.1/100 | 1.00% |
| 2026-Q2 | 64.2/100 | 1.45% | 74.5/100 | 0.97% |
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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.
Related comparisons
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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. Every valid pair is viewable; pairs enter search automatically only when current data, comparability, and visitor interest meet the publication rules.