First Foundation Bank


18101 Von Karman Ave
Irvine, CA 92612
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Notable Rates APY Vs.Others
Savings 2.75% 3.05% →
1-Year CD N.A. 3.70% →
2-Year CD N.A. 3.80% →
5-Year CD N.A. 4.25% →
30-Year Mortgage N.A. 6.31% →
15-Year Mortgage N.A. 5.86% →
HELOC N.A. 2.79% →

2022 Overview

General Bank Information

First Foundation Bank is an FDIC insured institution located in Irvine, CA. It was founded in 2007 and has approximately $10.45 billion in assets. Customers can open an account at one of its 16 branches.

FDIC Insured Yes
FDIC Certificate # 58647
Date Established 2007
Assets $ 10.45 billion
Loans $ 7.87 billion
Deposits $ 9.04 billion
Capital $ 1,171.65 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 30, 2022

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Online Savings Account
2.75% $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.

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.


Loan Rates - September 30, 2022

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 2022

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Northpointe Bank
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6.440% 6.375%
0.63 points
$1,700 fees
$1,560 Learn More
Morty, Inc.
NMLS ID: 1429243
6.298% 6.250%
0.50 points
$1,272 fees
$1,540 Learn More
NMLS ID: 2890
License#: 13256
6.477% 6.375%
0.63 points
$2,678 fees
$1,560 Learn More
AmeriSave Mortgage Corporation
NMLS ID: 1168

Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2022

Lender APR (%)? Monthly Payment? Learn More

Note to First Foundation Bank
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First Foundation Bank Locations

Climate 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.

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
1.42% 4.01%

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, 2022, First Foundation Bank had $10,843,000 in non-current loans and $6,210,000 in owned real estate. To cover these potential losses it had $1,171,645,000 in equity and $32,822,000 in loans loss reserves. That gives it a Texas Ratio of 1.42%.

Return on Equity
First Foundation Bank U.S. Bank Average
11.14% 9.01%

First Foundation Bank has a Return on Equity of 11.14% versus the BestCashCow average of 9.01%. 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
11.21% 10.66%

First Foundation Bank has a Capitalization of 11.21% versus the BestCashCow average of 10.66. 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, 2022, First Foundation Bank had assets of $10,450,246,000, loans of $7,866,066,000, and deposits of $9,041,718,000. 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, 2022
Cash & Balances due from depository institutions $ 931.06 million
Interest-bearing balances $ 894.68 million
Total securities $ 1,178.70 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 7.87 billion
Loan loss allowance $ 32.82 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 6.21 million
Goodwill and other intangibles $ 229.65 million
All other assets $ 192.78 million
     Total Assets $ 9.28 billion
Total deposits $ 9.04 billion
      Interest-bearing deposits $ 5.66 billion
      Deposits held in domestic offices $ 9.04 billion
      % insured (estimated) 79.58%
Federal funds purchased and repurchase agreements $ 152.68 million
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 84.20 million
      Total Liabilities $ 9.28 billion
      Shareholders’ Equity $ 1,171.65 million

Summary Income Statement

March 31, 2022
Total Interest Income $ 81.20 million
Total Interest Expense $ 3.41 million
Net interest income $ 77.79 million
Provision for loan and lease losses N.A.
Total non interest income $ 5.65 million
Total non interest expense $ 40.28 million
Pre-tax Net Operating Income $ 43.95 million

Bank Loan Profile?

The top three loan types in First Foundation Bank’s loan portfolio are Multifamily Mortgages, Commercial Real Estate, 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 12.08
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 1.97
Construction and Development Loans 1.97
Commercial Real Estate 16.25
Commercial and Industrial Loans 14.60
Farm Loans 0.00

Customer Reviews for First Foundation Bank (44)

  • 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.

  • June 18, 2022 | | Replies 1

    Online Savings Rates

    Avoid this bank at all cost, no matter what the rate is. The external transfer limits will not be waived for anyone under any circumstance. Not a place to stash cash.

    PJs at bedtime | Sep 30, 2022

    I just don't get all of the concerns about external limits. You avoid these easily by transferring from an external account.

  • 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.

  • May 5, 2022 |

    Online Savings Rates

    I have no idea what's up with all of the bad reviews. I opened an account easily at 0.65% and then they were the first to raise to 1% after the Fed review. No friction, but no need to contact them or remove money so far.

  • 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????)

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