First Foundation Bank

Headquarters

18101 Von Karman Ave
Irvine, CA 92612
See all branch locations →

Notable Rates	APY	Vs.Others
Savings	4.40%	4.66% →
1-Year CD	3.90%	4.59% →
2-Year CD	N.A.	4.25% →
5-Year CD	N.A.	4.15% →
30-Year Mortgage	N.A.	4.91% →
15-Year Mortgage	N.A.	4.39% →
HELOC	N.A.	0.99% →

Reviewed by james | November 18, 2023 |

Savings Rates

bank delayed 1-2days to credit into your account, pay less interest.

Overview
Deposit Rates
Loan Rates
Branches
Climate
Financial Details
FAQs
Reviews

2025 Overview

General Bank Information

First Foundation Bank is an FDIC insured institution located in Irvine, CA. It was founded in 2007 and has approximately $12.61 billion in assets. Customers can open an account at one of its 16 branches.


FDIC Insured	Yes
FDIC Certificate	# 58647
Date Established	2007
Assets	$ 12.61 billion
Loans	$ 9.19 billion
Deposits	$ 9.90 billion
Capital	$ 1,188.67 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 - April 30, 2025

Your Current Location: Wisconsin, WI 10007

Savings and Money Market Rates	APY	MIN	MAX
Online Savings Account	4.40%	$1,000	-	Learn More Reviews
Money Market	4.40%	$1,000	-	Learn More Reviews

CD Rates	APY	MIN	MAX
9 Month CD	4.00%	$2,500	-	Learn More Reviews
12-Month Online CD	3.90%	$2,500	-	Learn More Reviews

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.

First Foundation Bank Raises Online Savings Rate to 0.65% APY

Apr 13, 2022

First Foundation Bank is raising its online savings rate to 0.65% from 0.50% today.

First Foundation Bank Raises Online Savings Rate to 3.10% APY

Oct 14, 2022

First Foundation has raised its online savings rate from 2.75% to 3.10% APY.

First Foundation Bank Raises Online Savings Rate to 4.00% APY

Dec 8, 2022

First Foundation Bank has raised its online savings rate by 40 basis points to 4.00% APY.

The bank has consistently been a rate leader through this cycle and is well reviewed on BestCashCow.

First Foundation Bank Raises Online Savings and Money Market Rates to 4.20% APY

Jan 30, 2023

This move represents a .20% hike from the rate which had stood at 4% since December 8, 2022.

First Foundation Bank Raises Online Savings Rate to 4.50% APY

Mar 15, 2023

First Foundation Bank has raised its online savings rate by 30 basis points today, from 4.20% to 4.50% APY.

First Foundation has offered one of the most competitive online savings rates during the current rate cycle, and that continues to be the case with today's action.

First Foundation Bank Raises Online Savings Rate to 5.00% APY

Jul 27, 2023

First Foundation Bank has raised its online savings rate to 5.00% APY. The rate had previously stood at 4.85%.

First Foundation Bank has been a consistent rate leader since the Fed began raising interest rates in early 2022.

Compare all online savings rates here.

First Foundation Bank Introduces New Online Money Market Rate at 5.25%; Online Savings Rate Remains at 5.00%

Nov 17, 2023

First Foundation Bank has introduced an Online Money Market account with a 5.25% rate. This rate is among the most competitive currently offered for online savings and money market accounts.

The bank continues to offer an online savings rate of 5.00%. Prior customers who are seeking the new rate can contact the bank and ask for a product change.

Loan Rates - April 30, 2025

Your Current Location: Wisconsin, WI 10007

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 - Wisconsin 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 447490	6.481%	6.375% 0.63 points $3,561 fees	$1,997	Learn More
NMLS ID: 1025894	6.572%	6.490% 0.63 points $2,748 fees	$2,021	Learn More
NMLS ID: 401822	6.632%	6.500% 0.75 points $4,395 fees	$2,023	Learn More
NMLS ID: 6606	6.715%	6.625% 0.88 points $2,986 fees	$2,049	Learn More

See More Mortgage Rates →

Featured - Wisconsin Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Figure Home Equity See Table	Intro APR 7.300 % After Intro: 7.300 %	$15,000	Learn More More Info
Available APRs range from 6.65% - 15.40*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(the advertised APR includes a combined 0.25% discount for opting into a credit union membership (0%) and enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Flexible terms, borrow $15K-$400K, redraw up to 100% Use to consolidate debt or finance your next home project 100% digital app & automated valuation Largest non-bank HELOC lender in the US
Four Leaf Federal Credit Union See Table	Intro APR 6.490 % After Intro: 7.750 % Intro Period: 12 months	$25,000	Learn More More Info
Rates/terms are subject to change. All offers of credit are subject to credit approval. Applicants may be offered credit at higher rates and other terms. Property insurance (including flood insurance, if applicable) is required. HELOCs not offered in Texas. Membership at FourLeaf is required by opening a minimum $5 share account. Rates shown are based on primary residence, minimum initial draw of $25,000 at account opening, monthly payments via automatic transfers from a FourLeaf checking/savings account, and borrower(s) inputs for credit score and Combined Loan-to-Value. If borrower(s) qualifies for an intro rate, the intro APR is fixed for 12 months. After, standard APR is variable based on the U.S. Prime Rate, plus a margin, and is subject to increase. To obtain an intro rate, borrower(s) must meet credit/loan program requirements, including (but not limited to): 1) maximum CLTV of 75%, 2) minimum credit score of 720 3) initial draw of $25,000 and maintain this balance for 12 months, 4) monthly payments via automatic transfers from a FourLeaf checking/savings account, and 5) have not had an intro rate within the past 5 years. Loan amounts over $500,000 are not available for the intro rate. The standard APR is variable based on the U.S. Prime Rate as published in the Wall Street Journal, plus a margin (if applicable), and is subject to increase after consummation. The current standard APR ranges from 7.50% - 18.00% as of 4/16/2025. Not all applicants will qualify for the lowest rate. The minimum floor APR is 3.25% and maximum is 18%. Prime Rate as of 4/16/2025 = 7.50%. Closing costs for the first $500,000 will be paid by FourLeaf but must be repaid by the borrower(s) if the HELOC is closed within first 36 months of account opening. Fees generally range between $500 - $15,000. Borrower(s) will be responsible for mortgage-related taxes and title insurance costs on the line amounts over $500,000. Fees generally range between $500 -$60,000. Tap into your home's equity & access the funds you need with a HELOC Apply online or speak with a specialist No application, origination & appraisal fees on lines up to $500K[3] On average, access funds within 35 days[5]
Achieve Loans See Table	Intro APR 8.750 % After Intro: 8.750 %	$0	Learn More More Info
Home Equity loans are available through our affiliate Achieve Loans (NMLS ID #1810501). Equal Housing Opportunity. Offers may vary and all loan requests are subject to eligibility requirements, application review, loan amount, loan term, income verification, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts are between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio and combined loan-to-value ratio. Minimum 600 credit score applies for debt consolidation requests, minimum 700 applies for cash out requests. Other terms, conditions and restrictions apply. Fixed rate APRs range from 6.74% - 14.75% and are assigned based on underwriting requirements and offer APRs assume automatic payment enrollment which may provide a discount (autopay enrollment is not a condition of loan approval). Example: average HELOC is $57,150 with an APR of 12.75% and estimated monthly payment of $852 for a 10-year loan. 10,15, 20 and 30-year terms available (20 and 30 year terms only available for cash out requests). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied and combined loan-to-value ratio may not exceed 80% for debt consolidation and 85% for cash out requests, including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. Contact Achieve Loans for further details. Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 640

See More Home Equity Rates →

Note to First Foundation Bank
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Branches

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.

Your Location:
Milwaukee,Wisconsin

First Foundation Bank Locations around zip code 10007

Branch	Distance	Map	View Lobby Hours
Kennedy Branch	1080.29	A	View Lobby Hours
Creekside Branch	1202.07	B	View Lobby Hours
Ave Maria Office	1202.97	C	View Lobby Hours
Anchor Rode Office	1207.40	D	View Lobby Hours
First Florida Integrity Bank	1207.88	E	View Lobby Hours
Fifth Avenue Office	1210.56	F	View Lobby Hours
Marco Island Office	1224.08	G	View Lobby Hours
Las Vegas Branch	1519.58	H	View Lobby Hours
El Centro Branch	1625.04	I	View Lobby Hours
Indian Wells Branch	1639.01	J	View Lobby Hours
San Diego Office Branch	1701.27	K	View Lobby Hours
Laguna Hills Branch	1705.42	L	View Lobby Hours
First Foundation Bank	1710.57	M	View Lobby Hours
Pasadena Office Branch	1712.42	N	View Lobby Hours
Seal Beach Branch	1719.55	O	View Lobby Hours
Los Angeles Branch	1729.99	P	View Lobby Hours
Auburn Branch	1777.57	Q	View Lobby Hours
Roseville Branch	1788.55	R	View Lobby Hours
Honolulu Branch	3997.10	S	View Lobby Hours

View Branches Nationwide →

Climate Policy and Initiatives

First Foundation Bank is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.

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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 BestCashCow.com 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
4.88%	4.63%

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 December 31, 2024, First Foundation Bank had $53,344,000 in non-current loans and $6,210,000 in owned real estate. To cover these potential losses it had $1,188,672,000 in equity and $32,302,000 in loans loss reserves. That gives it a Texas Ratio of 4.88%.

Return on Equity

First Foundation Bank	U.S. Bank Average
-7.78%	10.10%

First Foundation Bank has a Return on Equity of -7.78% versus the BestCashCow average of 10.10%. 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 Foundation Bank	U.S. Bank Average
9.42%	11.02%

First Foundation Bank has a Capitalization of 9.42% versus the BestCashCow average of 11.02. 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 December 31, 2024, First Foundation Bank had assets of $12,611,947,000, loans of $9,194,910,000, and deposits of $9,903,836,000. 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

December 31, 2024

ASSETS
Cash & Balances due from depository institutions	$ 1,015.83 million
Interest-bearing balances	$ 978.84 million
Total securities	$ 2.03 billion
Federal funds sold and reverse repurchase	N.A.
Net loans and leases	$ 9.19 billion
Loan loss allowance	$ 32.30 million
Trading account assets	N.A.
Bank premises and fixed assets	N.A.
Other real estate owned	$ 6.21 million
Goodwill and other intangibles	$ 9.99 million
All other assets	$ 212.19 million
Total Assets	$ 11.42 billion

LIABILITIES
Total deposits	$ 9.90 billion
Interest-bearing deposits	$ 7.90 billion
Deposits held in domestic offices	$ 9.90 billion
% insured (estimated)	75.98%
Federal funds purchased and repurchase agreements	$ 25.37 million
Trading liabilities	N.A.
Other borrowed funds	$ 149.00 million
Subordinated debt	N.A.
All other liabilities	$ 102.00 million
Total Liabilities	$ 11.42 billion
Shareholders’ Equity	$ 1,188.67 million

Summary Income Statement

December 31, 2024

INCOME AND EXPENSES
Total Interest Income	$ 615.97 million
Total Interest Expense	$ 421.50 million
Net interest income	$ 194.47 million
Provision for loan and lease losses	$ 20.70 million
Total non interest income	N.A.
Total non interest expense	$ 204.85 million
Pre-tax Net Operating Income	$ 91.10 million

Bank Loan Profile^?

The top three loan types in First Foundation Bank’s loan portfolio are Multifamily Mortgages, Commercial and Industrial Loans, and Commercial Real Estate.

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.

	% Loans	% Comparison to Other Banks
		Low	Med	High
1-4 Family Residential Loans	10.82		✓
Multifamily Mortgages	48.57			✓
Credit Card Loans	0.00	✓
Consumer Auto Loans	0.00		✓
Small Business Loans	1.08		✓
Construction and Development Loans	1.80		✓
Commercial Real Estate	13.69	✓
Commercial and Industrial Loans	15.84		✓
Farm Loans	0.00	✓

Customer Reviews for First Foundation Bank

james

November 18, 2023 |

Savings Rates

bank delayed 1-2days to credit into your account, pay less interest.

Is this review helpful? Yes:0 / No: 0
AG

September 26, 2023

Update 9-26-23

I have now used them for several days, and it gets better and better and better. They have every single thing I ever wished for in a bank and then some: Savings with fantastic rates, checking with a perfect bill paying app, easy app for depositing checks, various methods of verification so if for some reason you cannot receive texts or calls you can still get in safely but without spending hours. On top of which, when I called customer service on three different occasions I got someone almost immediately and they extremely pleasantly and efficiently answered my questions.

I think I died and went to heaven. WOW!!!

Original review:
I am ditching Capital One 360 for making my life a living hell over the last month when I tried two very simple tweaks to my account.

Searching for banks online, I found I could get a much better return than theirs as well. First Foundation Bank had all the functionalities I wanted, a savings account with a terrific interest rate, a checking account with bill paying, and the ability to operate without a mobile, if so desired.

So I decided that it would be worth the lengthy application and approval process described in some reviews. Imagine my surprise when I opened two accounts plus added a joint holder and my church as a beneficiary (the two things I tried to accomplish with Capital One to the point of going insane) in exactly three minutes! WOW!!!!

What a joy!

Is this review helpful? Yes:0 / No: 0
Jenin, GA

October 17, 2022 |

Online Savings Rates

I opened the account without reading the reviews and I am glad I did. No troubles and they just raised their rate so it is on top of this list!

Is this review helpful? Yes:2 / No: 1
RRSantis

July 15, 2022 |

Online Savings Rates

I received an email today that the transfer limits are now $100k per transfer, that transfers will take 3 days, and that the limit resets as soon as it settles after 3 days, and that thereafter it is $250k per month. Perhaps this will alleviate the stress that I and others on this board have had with First Foundation. Prior policy and interactions about ridiculously low limits were exasperating and I can still only give it 2 stars based on CSR to date.

Is this review helpful? Yes:1 / No: 0
Py5790

May 26, 2022 |

Online Savings Rates

A good online experience, but external transfer limits are troubling. Pay attention to these and I certainly couldn't get them waived. At $10k a month, it will take me 25 months + plus to wind down an account at $250K.

Is this review helpful? Yes:2 / No: 0

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