This institution is no longer active

Operations ceased on April 1, 2026. CRA examination history below reflects the period it was active.

FIRST FOUNDATION BANK

IRVINE, CA · Supervised by FDIC

Est. 2007FDIC #58,647RSSD: FDIC-58647

Part ofFIRST FOUNDATION INC→ View all charters

Satisfactory Same

Current rating · Exam: March 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.31%

Is this bank safe?

FIRST FOUNDATION BANK holds a Satisfactory CRA rating (2025), shows financial metrics that merit closer review (ROA -0.31%). Consumers may want to review the details below before banking here.

Institution Profile

FDIC BankFind

Address

18101 Von Karman Ave, IRVINE, CA

County

Orange County

Established

October 1, 2007

Total Assets

$11.3B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

March 1, 2025

Exam Type

Large Bank

Regulator

FDIC

What is a CRA rating? →

Estimated next exam:Mar 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$11.3B

Total Deposits

$8.8B

Net Loans

$6.4B

Net Income

$-9,098K

ROA

-0.31%

Below avg for Regional banks. Peer avg: 0.88%

ROE

-3.42%

Risk-Based Capital

16.43%

Below avg for Regional banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Regional banks

Compared to the peer-bank Regional peer group (same asset tier).

ROA-0.31%Peer avg: 0.88%▼ Below avg

Risk-Based Capital16.43%Peer avg: 30.04%▼ Below avg

Mortgage Denial Rate13.89%Peer avg: 18.70%▼ Fewer than avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$8.6B

1-Year Change

5-year net change: +9 branches

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	72	79.17%	13.89%
2023	41	65.85%	19.51%
2022	746	88.47%	4.83%
2021	915	88.96%	4.92%
2020	649	81.97%	7.24%
2019	523	87%	5.93%
2018	636	89.15%	5.19%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Regional bank avg: 18.70% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Mar 2025	Satisfactory	Large Bank
Dec 2021	Satisfactory	Large Bank
Mar 2019	Satisfactory	Large Bank

2 previous ratings locked — back to 2013

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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