# FIRST FOUNDATION BANK
IRVINE, CA · FDIC certificate 58647 · asset band $10-100B · latest filing 2026-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 9 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $11.34B | |
| Deposits | $8.78B | |
| Loans and leases | $6.49B | |
| Total equity | $1.06B | |
| Loans / deposits | 72.96% (p22 of band) | 84.79% |
| Liquid assets / assets | 41.07% (p89 of band) | |
| Uninsured deposits / deposits | 20.34% (p20 of band) | 38.31% |
| Brokered deposits | 25.39% | |
| Wholesale funding | 37.88% (p96 of band) | |
| FHLB advances / assets | 12.34% | |
| Tier 1 leverage | 9.10% (p24 of band) | 10.17% |
| Unrealized securities loss / equity | -4.01% (p70 of band) | -7.45% |
| AOCI / equity | 0.42% (p94 of band) | |
| ROA (annualized) | -0.31% (p1 of band) | 1.19% |
| Net interest margin | 1.24% (p7 of band) | 3.51% |
| Efficiency ratio | 116.11% (p100 of band) | |
| Noncurrent loans | 0.54% (p39 of band) | 0.68% |
| Net charge-offs (annualized) | 0.66% (p94 of band) | |
| Reserve coverage of noncurrent | 219.20% | |
| Real estate % of loans | 75% | |
| Construction % of loans | 1.15% (p11 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $347.5M (33% of equity) (p76 of band) | |
| Deposits YoY | -8.4% | |
| Employees | 498 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **charge-offs p90** (`aq_nco`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | loans exceed deposits, brokered >10%, wholesale funding >15% |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 4 | liquid assets <10% |  |
| 2011-12 | 5 | capital falling |  |
| 2012-03 | 5 | leverage <7% | liquid assets <10% |
| 2012-06 | 3 |  | capital falling, leverage <7% |
| 2012-09 | 3 |  |  |
| 2012-12 | 4 | liquid assets <10% |  |
| 2013-03 | 4 |  |  |
| 2013-06 | 4 |  |  |
| 2013-09 | 4 | uninsured deposits >50%, run vulnerability | brokered >10%, liquid assets <10% |
| 2013-12 | 4 |  |  |
| 2014-03 | 4 |  |  |
| 2014-06 | 4 |  |  |
| 2014-09 | 5 | capital falling |  |
| 2014-12 | 5 |  |  |
| 2015-03 | 3 | uninsured deposits leaving | uninsured deposits >50%, run vulnerability, capital falling |
| 2015-06 | 4 | brokered >10% |  |
| 2015-09 | 3 |  | brokered >10% |
| 2015-12 | 4 | brokered >10%, reserve under noncurrent | uninsured deposits leaving |
| 2016-03 | 4 |  |  |
| 2016-06 | 4 | capital falling | reserve under noncurrent |
| 2016-09 | 4 |  |  |
| 2016-12 | 3 |  | brokered >10% |
| 2017-03 | 3 | brokered >10% | capital falling |
| 2017-06 | 3 |  |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 4 | capital falling |  |
| 2018-09 | 3 |  | loans exceed deposits |
| 2018-12 | 3 | loans exceed deposits | capital falling |
| 2019-03 | 3 |  |  |
| 2019-06 | 4 | uninsured deposits leaving |  |
| 2019-09 | 3 | reserve under noncurrent | loans exceed deposits, uninsured deposits leaving |
| 2019-12 | 3 | loans exceed deposits | reserve under noncurrent |
| 2020-03 | 3 |  |  |
| 2020-06 | 2 |  | loans exceed deposits |
| 2020-09 | 1 | capital falling | wholesale funding >15%, brokered >10% |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | loans exceed deposits |  |
| 2022-12 | 4 | brokered >10%, wholesale funding >15%, capital falling |  |
| 2023-03 | 6 | expense ratio p90, NIM <2.5% |  |
| 2023-06 | 7 | losing money, uninsured deposits leaving | loans exceed deposits |
| 2023-09 | 6 |  | capital falling |
| 2023-12 | 6 |  |  |
| 2024-03 | 4 |  | losing money, uninsured deposits leaving |
| 2024-06 | 4 |  |  |
| 2024-09 | 7 | losing money, reserve under noncurrent, loans-to-lenders >50% equity |  |
| 2024-12 | 9 | deposits shrinking, assets shrinking |  |
| 2025-03 | 8 |  | losing money |
| 2025-06 | 8 | uninsured deposits leaving | reserve under noncurrent |
| 2025-09 | 8 | losing money | uninsured deposits leaving |
| 2025-12 | 10 | capital falling, uninsured deposits leaving |  |
| 2026-03 | 9 | charge-offs p90 | loans-to-lenders >50% equity, capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-08 [First Foundation Bank review (2026): Personal and business banking with competitive online rates - Yahoo Finance](https://news.google.com/rss/articles/CBMiowFBVV95cUxNSFhDTEx3TGUtQVFOOVFxRGxDY3VkTEp2VkloLXB2OHZ6SXFzR1ZZVmZBZXMzYVFjSUI0amRVWXhyaTNITmlTMmdWNGZXVTVCSGJOcDN6dEJTQnpsLVV6QWEtOUxaMnFfYkxkRzU5VEdqMlBrR0YtdDFtS1U0aXZBWkFrREJKUk85MURMejhWWmx6NDlPRkxLY2M1RW1iY1dnd3l3?oc=5) · Yahoo Finance
- 2026-04-01 [Dallas-area banks complete $785 million merger - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQUHBQckc3eURZZ3ZIZnNLV1hRUVBMNm1kZmRhZUNFZ0UwQnQ5eGRwenUzNERvcnloUkxNeHlkQXJrVm5CY2gxNjVmcFBlZDhXRmwtMTBMNEc5MTNVVm0zYzV4VmFWaTJjTUM5TmE5OHk4SkZDZHV0TEdzVWVBQUpnZHVGekt1MHpyZzRFZVVzRjBPNkx4dm1pSU0taE12dFlZdXJvQ1FmTU8?oc=5) · The Business Journals
- 2026-06-03 [Sunflower Bank Hires David Musicant for New Role of Regional President in Southern California - Business Wire](https://news.google.com/rss/articles/CBMi5AFBVV95cUxNOEdOdjJvY0txdm9kRm1Tc1NIYTBFX1ZrMVl0ZUF2ZFBhUjRpckZpZFA1WGttTUF1dHFjY1JOd183WnFiYWVGVW9IU0lQd0ZrRlFjeG9ibFBmTHA5ZjRMaF84aDBITkNLNmpGUGltZmlJVWdVZXlIZGF3ZkRZVXpTVm93UW5LbXI2YmdSZ0dqMmJEMk5PSmk4eDh6ckF3WGxmdThQcW5JaHc2d1B2aElURldMYzZBM3kzSEVCMnFBYnJkeVZHc1pyQmJBaXNfVTdtdG05YU5ZV3lMdF8wcWZ6NTFmQXY?oc=5) · Business Wire
- 2026-04-01 [Denver bank completes $785 million acquisition - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxPRDh2djdCQTFJYVZJT3NxWWpvQW1ELTAyVUNqb2t5M3AzQ0pmOExrRXFIeUNJdlpXTXV2ZmwtWHFBYmZpZm1teEpFMXVZMEl6Y0FiVmp1LUZYSWl1UEh2dVFSWkZzUjdfVHBvRERwSFlWWEg0SDBCeG5YZFRQSU5TUVdnUFdQQ1JNVFk5UlVDcmJCTG9vR0RwT2VsWlY0MkNUOG8w?oc=5) · The Business Journals
- 2025-10-27 [FirstSun Capital Bancorp and First Foundation Inc. Combining in All-Stock Merger - Business Wire](https://news.google.com/rss/articles/CBMi0wFBVV95cUxNYjRnRHN4X0xCWkJvbHlib05mdEdTOXY4cVd1WTNENWRBZTFYSXJ6Q25RbGZmcEJOUkZ4OFZSYXY1NG0xdXRJbVZBNFgzcWFtY3FjVVdwdmRrZ0poRld6ZlpXb3hQNFhhaFp6cFdBNzFMN002VEt3azlQcTVVbVd6ZDZYcXVRMnJ6R2FXdjNBRGxOdGRFdC1NdU93QVBpWFItTWt3Nk9adVNBVm5PYVZsOXZobFNzTGlFUjJ4VDVOS29VeHdNb3lDeGtxbHRVSWJVVVFR?oc=5) · Business Wire
- 2025-06-06 [First Foundation Bank review 2026: A limited online footprint and an emphasis on service - Fortune](https://news.google.com/rss/articles/CBMiaEFVX3lxTE9EWTFPV182RnBCOXFvclhFZS1yU1FVNDUxakY1Rkg2cGx5UzVjRkZnWm8weDhKVGdxWXllS1NIelpOYk5KUFlRSEpzUC1BZ1huRk8xenV3OHZzUE1DQnY2MEx5UVA1RUs0?oc=5) · Fortune
- 2025-01-30 [First Foundation gets Wall Street dress-down amid strategy remix - American Banker](https://news.google.com/rss/articles/CBMiogFBVV95cUxOSmxnczNzN2t4N3hyWUxHTkszRFR4cE5veC1fLS1GOE5HY2RObWpaODBZcHpESjQwSFdfRXZ1LUNkb0RPZVhLQk1ucUcxU2poSFFWZ3Zwa2RlYm1odXVucFZmUXRIb2FlMlRXWHRTTlJDeW1nRnBqMWQ0T3JTeGd0dElVaWR3Z19iREdleFdkbmVxaExweEN6bG4wTjRMMkN5UUE?oc=5) · American Banker
- 2026-04-06 [All First Foundation branches to operate as Sunflower Bank - Gulfshore Business](https://news.google.com/rss/articles/CBMi3gFBVV95cUxQQV8tUHlWR3JYd0FIX1dRYW9HY2l3Tk9mbVQ5alFBd0d5c2ZNUjRZZDg1Z1BLQ0hZdDlKVENzajRJTUZMOUY5Qmx5cFF5UGVGTXNpQUJjMHpRcEFXZ0dHYlhkUElWamV6dW9QdHFNZWZDWXhhaEVjLXFqMUxCWVluUEdnR2Q3dDg0c3pXVU80UnZWUFYyMGZBd3VrOEJqcVZfcUNsT29vb3J1ZDd4YzdaazI0N3g5QlN6MlR3YWFQc3Bqc0lONUUzWHVDcVpldWxoVWwtbmh3YXBFeElNTXc?oc=5) · Gulfshore Business

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58647 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/23.json (key "58647", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide