Total Assets
$11.9B
Total balance-sheet footings
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.
- $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.
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.
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 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
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'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.
Safety metrics
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
Profitability metrics
Return on Assets (ROA)
2nd percentile nationally
-1.10%
Return on Equity (ROE)
-11.65%
Efficiency Ratio
97.13%
What the numbers say about First Foundation Bank
First Foundation Bank is an FDIC-insured institution (Certificate #58647) headquartered in Irvine, California, established in 2007. It holds $11.9B in total assets - 144th of 4,313 FDIC-insured banks, $9.3B in customer deposits, and $6.9B in net loans. Its capital position: a Tier 1 ratio of 13.97%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 3.25% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of C (55 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Nationally, First Foundation Bank sits in the top decile of all FDIC-insured institutions by asset size (144th of 4,313), and within California it ranks 10th of 121 state-chartered and national banks headquartered there. The next-largest bank in the state by assets is Farmers and Merchants Bank of Long Be…, at $11.8B. A bank of this scale carries systemic weight in its market -- its lending and deposit decisions move local credit availability in a way a community-scale institution's simply cannot.
Income & expense breakdown
$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.
Top banks in California by total assets
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.
| Bank | State | Assets | ROA | Efficiency | Tier 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% |
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.
Other banks in California
All California banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is First Foundation Bank's health grade?▼
First Foundation Bank receives a health grade of C (55/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is First Foundation Bank?▼
First Foundation Bank holds $11.9B in total assets and $9.3B in deposits, ranking 144th of 4,313 FDIC-insured banks by asset size. It is headquartered in Irvine, California.
Is my money safe at First Foundation Bank?▼
Yes, deposits at First Foundation Bank (Certificate #58647) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First Foundation Bank's Tier 1 Capital Ratio?▼
First Foundation Bank has a Tier 1 Capital Ratio of 13.97%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for First Foundation Bank?▼
First Foundation Bank has a Texas Ratio of 3.25%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First Foundation Bank?▼
First Foundation Bank has an Efficiency Ratio of 97.13%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First Foundation Bank's profile as a depositor or analyst.
- First Foundation Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First Foundation Bank against other California banks before moving funds. California banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.