First Foundation Bank
Irvine, CA·RSSD 3637685·FDIC 58647·bank:3637685·Risk-based ratios where reported
- #11 of 123Total assets in California
- Top 3%Total assets in the U.S.
- 30offices
- 498employees
Performance over time
22 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at First Foundation Bank
10 of 24 FORFI signals stand out against 109 similar banks, based on FDIC data for the quarter.
Deposits migrating from operating accounts to CDsWorth a look: Funding FORFI signal14.8%peers 22.4%-7.6 pp
First Foundation Bank's noninterest-bearing deposits lost share of the deposit base faster than at similar banks, while time deposits gained share.
| This institution | Peer median | Difference |
|---|---|---|
| Share of deposits that pay no interest | ||
| 14.8% | 22.4% | -7.6 pp |
| Time deposits' share of deposits | ||
| 30.8% | 15.8% | +15.1 pp |
With internal data, FORFI would look at: Which operating accounts are draining, and which customers moved balances into CDs.
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 109 banks with $10 billion to $50 billion in assets that filed FDIC data for the same quarter. First Foundation Bank itself is left out of every peer median and percentile. How signals work
Net charge-offs rising while the peer median holds steadyWorth a look: Asset quality1.16%peers 0.12%+104 bps
First Foundation Bank's annualized net charge-off rate rose 115 bps over the past year to 1.16%. Among 103 similar banks, the median was essentially unchanged.
| This institution | Peer median | Difference |
|---|---|---|
| Annualized net charge-off rate | ||
| 1.16% | 0.12% | +104 bps |
| 12-month change | ||
| +115 bps | 0 bps | +115 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 109 banks with $10 billion to $50 billion in assets that filed FDIC data for the same quarter. First Foundation Bank itself is left out of every peer median and percentile. How signals work
Loans shrinking while the peer median growsNotable: Lending-27.9%peers +6.5%-34.4 pp
First Foundation Bank's loans declined 27.9% over the past year to $6.5 billion. The median among 108 similar banks was +6.5%.
| This institution | Peer median | Difference |
|---|---|---|
| Loans, 12-month growth | ||
| -27.9% | +6.5% | -34.4 pp |
| Loans | ||
| $6.5 billion | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 109 banks with $10 billion to $50 billion in assets that filed FDIC data for the same quarter. First Foundation Bank itself is left out of every peer median and percentile. How signals work
Net interest margin narrowing while the peer median widensWorth a look: Earnings1.25%peers 3.66%-241 bps
First Foundation Bank's net interest margin fell 58 bps over the past year to 1.25%. Among 104 similar banks, the median rose 15 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Net interest margin | ||
| 1.25% | 3.66% | -241 bps |
| 12-month change | ||
| -58 bps | +15 bps | -74 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 109 banks with $10 billion to $50 billion in assets that filed FDIC data for the same quarter. First Foundation Bank itself is left out of every peer median and percentile. How signals work
Efficiency ratio rising while the peer median fallsWorth a look: Efficiency116.7%peers 56.9%+59.8 pp
First Foundation Bank's efficiency ratio rose 26.2 percentage points over the past year to 116.7%. Among 104 similar banks, the median fell 1.6 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Efficiency ratio | ||
| 116.7% | 56.9% | +59.8 pp |
| 12-month change | ||
| +26.2 pp | -1.6 pp | +27.8 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 109 banks with $10 billion to $50 billion in assets that filed FDIC data for the same quarter. First Foundation Bank itself is left out of every peer median and percentile. How signals work
5 more observations
- Noninterest-bearing deposit share falling faster than peersFunding
- Deposits shrinking while the peer median growsFunding
- Reliance on CDs rising while the peer median fallsFunding
- Return on assets falling while the peer median risesEarnings
- C&I lending shrinking while the peer median growsLending
Key facts
- First Foundation Bank is a bank headquartered in Irvine, California. It reported $11.3 billion in total assets for the quarter ended March 31, 2026.
- Deposits totaled $8.8 billion, down 8.4% from a year earlier, and loans totaled $6.5 billion, down 27.9%.
- Its net interest margin was 1.25% and its annualized return on assets was -0.32% for the quarter.
- Its cost of all deposits was 3.00%, compared with a median of 1.89% among 104 similar banks with $10 billion to $50 billion in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With First Foundation Bank's own data, FORFI would look at: Which operating accounts are draining, and which customers moved balances into CDs.
Analysis workspaces
Sources and identifiers
- Institution
- First Foundation Bank · Bank
- Federal Reserve RSSD
- 3637685
- FDIC certificate
- 58647
- Reporting period
- Peer group
- 109 banks with $10 billion to $50 billion in assets that filed FDIC data for the same quarter. First Foundation Bank itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-01-01 through 2026-03-31 · Annualization factor 4.055556 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| -$9.1M | — | |
| $115.9M | — | |
| $81.23M | — | |
| $34.67M | — | |
| $5.51M | — | |
| $46.91M | — | |
| $1.98M | — | |
| $818K | — | |
| -0.32% | -0.31%ROAQ · Quarter | |
| 1.25% | 1.24%NIMYQ · Quarter | |
| 116.75% | 116.11%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-24T23:15:30.441988+00:00. Separate reference provenance is included in the export.