First Foundation Bank


18101 Von Karman Avenue, Suite 750
Irvine, CA 92612
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.50% 0.85% →
1-Year CD N.A. 0.70% →
2-Year CD N.A. 0.75% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

First Foundation Bank is an FDIC insured institution located in Irvine, CA. It was founded in 2007 and has approximately $7.04 billion in assets. Customers can open an account at one of its 16 branches.

FDIC Insured Yes
FDIC Certificate # 58647
Date Established 2007
Assets $ 7.04 billion
Loans $ 5.61 billion
Deposits $ 6.27 billion
Capital $ 713.50 million

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

Deposit Rates - September 19, 2021

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Online Savings Account
0.50% $1,000 - Learn More

Bank Offers

First Foundation Bank Lowers Online Savings Rate to 0.75% APY
Oct 20, 2020

First Foundation Bank has lowered its online savings rate from 1.00% APY to 0.75% APY today.

First Foundation Bank Lowers Online Savings Rate to 0.60% APY
Jan 8, 2021

The bank had offered the highest nationally available online savings rate at 0.75% until today.

First Foundation Bank Lowers Online Savings Rate to 0.50% APY
May 14, 2021

The bank has lowered their online savings rate by 10 basis points from 0.60% APY.


Loan Rates - September 19, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for First Foundation Bank

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

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Learn More
NMLS ID: 2890
License#: 13256
2.654% 2.625%
0.38 points
$958 fees
$1,005 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
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Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
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BMO Harris Bank
BMO Harris Bank
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Intro APR 1.790 %
After Intro: 4.840 %
Intro Period: 6 months
$0 Learn More
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Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
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Note to First Foundation Bank
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First Foundation Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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First Foundation Bank Locations

Financial Details

First Foundation Bank Ratio Analysis

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

Texas Ratio
First Foundation Bank U.S. Bank Average
2.42% 5.29%

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, 2021, First Foundation Bank had $17,853,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $713,498,000 in equity and $23,180,000 in loans loss reserves. That gives it a Texas Ratio of 2.42%.

Return on Equity
First Foundation Bank U.S. Bank Average
12.43% 11.43%

First Foundation Bank has a Return on Equity of 12.43% versus the BestCashCow average of 11.43%. 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.

First Foundation Bank U.S. Bank Average
10.14% 11.51%

First Foundation Bank has a Capitalization of 10.14% versus the BestCashCow average of 11.51. 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 Foundation Bank Balance Sheet Analysis

As of March 31, 2021, First Foundation Bank had assets of $7,037,264,000, loans of $5,607,079,000, and deposits of $6,265,182,000. 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, 2021
Cash & Balances due from depository institutions $ 467.33 million
Interest-bearing balances $ 448.14 million
Total securities $ 749.22 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 5.61 billion
Loan loss allowance $ 23.18 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 102.30 million
All other assets $ 100.85 million
     Total Assets $ 6.32 billion
Total deposits $ 6.27 billion
      Interest-bearing deposits $ 4.06 billion
      Deposits held in domestic offices $ 6.27 billion
      % insured (estimated) 66.95%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 5.00 million
Subordinated debt N.A.
All other liabilities $ 53.58 million
      Total Liabilities $ 6.32 billion
      Shareholders’ Equity $ 713.50 million

Summary Income Statement

March 31, 2021
Total Interest Income $ 61.66 million
Total Interest Expense $ 4.85 million
Net interest income $ 56.81 million
Provision for loan and lease losses $ 0.36 million
Total non interest income $ 2.88 million
Total non interest expense $ 28.66 million
Pre-tax Net Operating Income $ 30.66 million

Bank Loan Profile?

The top three loan types in First Foundation Bank’s loan portfolio are Multifamily Mortgages, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks in California, First Foundation Bank has a significantly higher percent of Multifamily Mortgages on its balance sheet, potentially indicating a specialty in that lending area.

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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 15.42
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 1.80
Construction and Development Loans 1.04
Commercial Real Estate 12.53
Commercial and Industrial Loans 12.78
Farm Loans 0.00

Frequently Asked Questions About First Foundation Bank

Branches and Savings

Is First Foundation Bank FDIC insured?

Yes. It is covered under FDIC Certificate #58647.

Why does First Foundation Bank pay such low interest on savings accounts?

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

Why are First Foundation Bank CD rates not competitive?

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

Is First Foundation Bank a commercial bank?


Where are First Foundation Bank locations?

See branch locations nearby.

Is First Foundation Bank open on Saturdays?

Is First Foundation Bank open on Sundays?

What time does First Foundation Bank open?

What time does First Foundation Bank close?

Are First Foundation Bank ATMs Open 24/7?

Do First Foundation Bank ATMs accept cash deposits?

Can First Foundation Bank customers use other ATMs?

Do First Foundation Bank branches have notaries?

Will First Foundation Bank notarize my document?

What address for First Foundation Bank should I put for incoming ACH transfers?

Will the First Foundation Bank branch print checks?

Do First Foundation Bank checks expire?

Does First Foundation Bank require US citizenship to open account?

Can First Foundation Bank close my account?

Does First Foundation Bank Report to credit bureaus?

Does First Foundation Bank Use Equifax?

What is First Foundation Bank's ACH Routing Number?

What is First Foundation Bank's SWIFT code?


Does First Foundation Bank offer mortgages?

Compare mortgage rates here.

Does First Foundation Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does First Foundation Bank offer personal loans?

Compare personal loan rates here.

Does First Foundation Bank offer student loans?

Will First Foundation Bank cash a check?

Will First Foundation Bank redeem a savings bond?

Does First Foundation Bank cash savings bonds?

Will First Foundation Bank cash money orders?

Can First Foundation Bank issue a money order?

Does First Foundation Bank do currency exchange?

Background on The Bank

Who owns First Foundation Bank?

How long has First Foundation Bank been around?

Can First Foundation Bank transfer to other banks?

Does First Foundation Bank have quick pay?

Does First Foundation Bank accept rolled coins?

Will First Foundation Bank accept loose change?

Where is First Foundation Bank headquarters?

Customer Reviews for First Foundation Bank

  • April 23, 2021 |

    AVOID, INSECURE,IRRITATING. Application for SAVINGS and no credit. Invasive personal information. PHOTO of driver license--no scanning into "secure" application. It did not like original Photo, so was requested to send it by e-mail. (I worked on bank security for years: sending license via e-mail is one of the best ways to get yourself right into the hands of ID thieves in Asia.) On my pointing out insecurity: submit image photocopied on home machine. Sent both sides in snail mail from here in SoCal. Sent by FAX to number indicated by representative. Neither was "received" a week later even though my FAX machine showed it had been received. Received THREE separate notices of denial by e-mail including that obscure credit bureaus not in the usual 3 had been consulted. (For deposits????)

  • April 22, 2021 |

    Online Savings Rates

    Have had only good experiences and pleased that they stay competitive.

  • March 19, 2021 |

    Online Savings Rates

    I feel like I may be trying my luck by commenting here. I've opened several accounts recently only to find that I am earning a much lower rate when I finally get to funding. This one seems different. Rate has held at 0.60% and it isn't the best rate but it is among the best. Opening process was fine and have had no issues. I live in Pennsylvania and do not require access to branch.

  • February 6, 2021 |

    Online Savings Rates

    I've had no problems in 6 months. Have not needed to call.

  • January 5, 2021 |

    They offer the best interest rate of 0.75% which is better than most. Transfers of large amounts are just painful. Small limits on transfers are also ridiculous. Learned to use my main bank account to transfer large sums, and have been told that I can transfer large sums out if I call and provide additional information to verify my identity. I have not tried this yet. I hope it works. The bank App is very basic and has been problematic. Sometimes I have not be able to log in.

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