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First Foundation Bank

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First Foundation Bank Rates & Review September 2026

Q: How many branches does First Foundation Bank operate?

First Foundation Bank currently maintains approximately 30 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, First Foundation Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, First Foundation Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 23, 2026

First Foundation Bank rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.85%, 6-month CD rates at 2.75% and 3-month CD rates at 2.56%. Savings rates are at 0.89% and money market rates are at 1.22%. Mortgage rates on 30-year fixed loans are around 7.01%. These rates come from our rate database, not First Foundation Bank, and you can see how they compare in the First Foundation Bank rate tables below. First Foundation Bank no longer files call reports with the FDIC (FDIC record ended April 1, 2026), so MonitorBankRates does not currently rate it. The figures below are from its last report and are shown for reference only. Database rates last updated and verified on 09/23/2026.

First Foundation Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at First Foundation Bank? Share your experience about First Foundation Bank by leaving a review below, or read customer reviews before you decide to use First Foundation Bank.

Overall Health & Safety Grade

N/A

Not Rated No current filing

MonitorBankRates Rating

N/A

Not Rated No current filing

Texas Ratio

N/A

Not Rated No data

First Foundation Bank

18101 Von Karman Ave
Irvine, CA 92612

https://www.firstfoundationinc.com

Current Rate Availability

We're not currently displaying rates for First Foundation Bank, but our database is updated constantly, so check back soon for the latest offers.

Are you with First Foundation Bank? We'd love to add your institution's rates. Contact us to get your institution's rates listed on MonitorBankRates.

Financial Health History

First Foundation Bank’s Texas Ratio rose from 1.45% in Q3 2023 to 3.87% in Q1 2026, so its financial health has stayed very strong over the past 11 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$11.3B	3.87%	5.0	A+
December 31, 2025	$11.9B	4.12%	5.0	A+
September 30, 2025	$11.9B	6.05%	5.0	A
June 30, 2025	$11.6B	3.46%	5.0	A+
March 31, 2025	$12.6B	3.76%	5.0	A+
December 31, 2024	$12.6B	5.01%	5.0	A+
September 30, 2024	$13.4B	3.69%	5.0	A+
June 30, 2024	$13.7B	2.33%	5.0	A+
March 31, 2024	$13.6B	2.24%	5.0	A+
December 31, 2023	$13.3B	2.05%	5.0	A+
September 30, 2023	$13.0B	1.45%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for First Foundation Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather First Foundation Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with First Foundation Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name First Foundation Bank

Bank Holding Company FIRST FOUNDATION INC

Address 18101 Von Karman Ave, Irvine, CA 92612 · Orange

Website https://www.firstfoundationinc.com

FDIC Certificate # 58647

Established 10/01/2007

FDIC Insurance Date 10/01/2007

Domestic Offices 30

Total Branches 30

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

N/A

Overall Health Grade No current filing

N/A

Not Rated No current filing

N/A

Texas Ratio Nat'l avg: 5.85%

First Foundation Bank no longer files call reports with the FDIC (FDIC record ended April 1, 2026), so MonitorBankRates does not currently rate it. The figures below are from its last report and are shown for reference only.

Return on Assets (ROA) -2.0152%

Return on Equity (ROE) -22.4600%

Non-Performing Loans (NPL) 0.08%

Total Assets $11,881,997,000

Total Deposits $9,314,462,000

Equity Capital $1,065,989,000

Net Income $-132,930,000

Headquarters Irvine

Total Branches and Offices 30

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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Total Reviews

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Frequently Asked Questions About First Foundation Bank

How many branches does First Foundation Bank operate?

First Foundation Bank currently maintains approximately 30 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, First Foundation Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, First Foundation Bank provides members with tools to manage their accounts and build a solid financial history.

Does First Foundation Bank offer online and mobile banking?

Most modern institutions like First Foundation Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.firstfoundationinc.com.