FDIC Cert #58647 · Irvine, California · Est. 2007

First Foundation Bank - FDIC Bank Health Profile

This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.

Compiled from official public sources by the publisher.
$11.9B
Total assets
C
Health grade · Fair
-1.10%
Return on assets
14.0%
Tier 1 capital

Data updated July 2026

The verdict

First Foundation Bank earns a PlainBankData health grade of C (55/100), with well-capitalized at 13.97% Tier 1, -1.10% ROA, 97% efficiency ratio.

#144
largest of 4,313 FDIC banks by assets
97th
percentile by asset size, nationally
13.97%
Tier 1 ratio - above the 10% well-capitalized line
2nd
percentile for profitability (ROA), nationally

A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.

FDIC Call Report plate

Cert 58647 · CA C · 55/100

GRADE-C · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-LOSS · SIZE-LARGE · BOOK-FULL

  • GRADE-C C (55/100)
  • BOTTOM-DECILE #4002/4307
  • PHOTO-FINISH Liberty Bank · WA
  • TIER1-WELL 14.0% Tier 1
  • TEXAS-CLEAN 3.2% Texas
  • ROA-LOSS -1.10% ROA
  • SIZE-LARGE $10–100B
  • BOOK-FULL 9/9 fields

Nearest health peer outside California: Liberty Bank, WA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around First Foundation Bank

Lowest and highest poles plus nearest scored peers outside California, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100First Foundation Bank · CA ·…55/100Grand River Bank · MI · near55/100Liberty Bank · WA · near55/100New Horizon Bank, Na… · VA ·…55/100West Valley National… · AZ ·…55/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around First Foundation Bank · July 2026

Call Report read for First Foundation Bank in a high-failure state

First Foundation Bank (FDIC Cert #58647) carries a PlainBankData health grade of C at 55/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,002 of 4,307. Tier 1 capital prints at 13.97%, clearing the 10% well-capitalized line. The Texas Ratio is 3.25%, inside the sub-50% band analysts treat as healthy. Return on assets is -1.10%. Balance-sheet scale is $11.9B, 144th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Liberty Bank (WA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around First Foundation Bank

44 FAILURE resolutions in California since 2000, heavy vs the state corpus

First Foundation Bank sits in one of the heavier post-2000 FAILURE states (44 resolutions; latest year 2023). The list below is state history from the Failed Bank List, not a claim about First Foundation Bank's current Call Report.

  • FIRST REPUBLIC BANK SAN FRANCISCO, CA 2023 → JPMORGAN CHASE BANK, N.A.
  • SILICON VALLEY BANK SANTA CLARA, CA 2023 → FIRST-CITIZENS BANK & TRUST COMPANY
  • FRONTIER BANK, FSB PALM DESERT, CA 2014 → BANK OF SOUTHERN CALIFORNIA, N.A.

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and California banks.

How First Foundation Bank's 55/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10055/100
First Foundation Bank's composite health score
Tier 1 Capital Ratio (13.97%) 35/40
Return on Assets (ROA) (-1.10%) 0/25
Texas Ratio (3.25%) 20/20
Efficiency Ratio (97.13%) 0/15

55 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$11.9B

Total balance-sheet footings

Total Deposits

$9.3B

Customer-funded liabilities

Net Loans

$6.9B

Outstanding loan book

Net Income

$-132,930K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 12.57% 13.97% 15.37%
Basel III capital ratios - First Foundation Bank

Where First Foundation Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Foundation Bank's score of 55/100 falls in the highlighted band.

First Foundation Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

55 7th percentile higher than 7% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). This entry sits in this band. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. First Foundation Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

First Foundation Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First Foundation Bank's $11.9B falls in the highlighted band.

Capital & credit buffers at First Foundation Bank

Tier 1 capital ratio
Well-capitalized 10%

13.97% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
13.97%
Texas Ratio
3.25%
Equity Capital
$1.1B

What these ratios mean →

Profitability metrics: First Foundation Bank

Return on Assets (ROA)
2nd percentile nationally
-1.10%
Return on Equity (ROE)
-11.65%
Efficiency Ratio
97.13%

What these mean →

Income & expense: loss period at First Foundation Bank

$547M
Interest Income
$11M
Non-Interest Income
$206M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. First Foundation Bank reports a Texas Ratio of 3.25% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

3.25% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

What to watch at First Foundation Bank

First Foundation Bank's grade of C reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-132,930K for the period, a loss that, if sustained, erodes the equity cushion.

Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at First Foundation Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.

FDIC Failed Bank List → View First Foundation Bank on FDIC BankFind →

Top banks in California by total assets

Largest banks headquartered in California
  1. 1
    City National Bank $98.4B

    Los Angeles, CA · Grade A

  2. 2
    East West Bank $79.7B

    Pasadena, CA · Grade A

  3. 3
    Banc of California $34.7B

    Los Angeles, CA · Grade B

  4. 4
    Axos Bank $27.2B

    San Diego, CA · Grade A

  5. 5
    Cathay Bank $24.2B

    Los Angeles, CA · Grade A

Top 5 banks in California ranked by total assets · FDIC Call Report Q4 2025.

National size peers: banks closest to First Foundation Bank by assets

Measured strictly by total assets rather than geography, First Foundation Bank's closest national peers include Farmers and Merchants Bank of Long Be…, Stifel Bank, BancFirst, LendingClub Bank, spanning 6 different states -- a reminder that at this scale, competition and comparison happen nationally, not just within California. Averaged across this asset-matched cohort, return on assets runs 1.34% (First Foundation Bank is below that at -1.10%), the efficiency ratio averages 52.25% (First Foundation Bank runs higher at 97.13%), and Tier 1 capital averages 14.73% (First Foundation Bank holds less at 13.97%). None of this cohort competes on branch count alone -- balance-sheet scale, funding mix, and regulatory capital posture are the metrics that actually separate similarly-sized institutions.

At $11.9B in assets, First Foundation Bank has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.

Closest banks to First Foundation Bank nationally by total assets
  1. 1
    Farmers and Merchants Bank of Long Be… $11.8B

    Long Beach, CA · Grade A

  2. 2
    Stifel Bank $11.7B

    Saint Louis, MO · Grade A

  3. 3
    BancFirst $12.1B

    Oklahoma City, OK · Grade A

  4. 4
    LendingClub Bank $11.5B

    Lehi, UT · Grade A

  5. 5
    First Commonwealth Bank $12.3B

    Indiana, PA · Grade B

  6. 6
    Oriental Bank $12.4B

    San Juan, PR · Grade A

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 1
First Foundation Bank (this bank) CA $11.9B -1.10% 97.13% 13.97%
Farmers and Merchants Bank of Long Beach CA $11.8B 0.59% 68.39% 18.84%
Stifel Bank MO $11.7B 1.49% 24.50% 11.84%
BancFirst OK $12.1B 1.79% 51.08% 17.11%
LendingClub Bank, National Association UT $11.5B 1.22% 62.52% 15.47%
First Commonwealth Bank PA $12.3B 1.33% 54.10% 11.69%
Oriental Bank PR $12.4B 1.59% 52.92% 13.44%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($11.9B here), outside California so the neighborhood is not state containment.

Stifel Bank $11.7B · MO BancFirst $12.1B · OK LendingClub Bank $11.5B · UT First Commonwealth Bank $12.3B · PA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First Foundation Bank (FDIC Cert #58647) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

First Foundation Bank Call Report profile · FDIC Failed Bank List · California FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in California

All California banks →
BankAssetsGradeROA
City National BankLos Angeles $98.4B A 0.95%
East West BankPasadena $79.7B A 1.72%
Banc of CaliforniaLos Angeles $34.7B B 0.78%
Axos BankSan Diego $27.2B A 1.77%
Cathay BankLos Angeles $24.2B A 1.38%
Mechanics BankWalnut Creek $22.4B A 1.44%
Bank of HopeLos Angeles $18.5B B 0.42%
Citizens Business Bank, National AssociationOntario $15.6B A 1.39%