← Back to Institutions
First Foundation Bank
Irvine, CA·FDIC Cert #58647·Charter: STATE·Est. 20071001.0·HC: FIRST FOUNDATION INC
Total Assets
$11.9B
Q4 2025
Return on Assets
-1.10%
+0.37%Peer avg: 1.23%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
97.13%
Peer avg: 55.2%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
42
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
-1.10%+0.37
ROE
-11.65%+3.74
Efficiency
97.13%+2.43
Equity/Assets
0.00%+0.00
NPL Ratio
0.55%-0.21
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
74.04%-8.22
Charge-offs
0.01%-0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.0 | 0.1 | -0.8 | -0.7 | 0.2 | 0.0 | -1.5 | -1.1 |
| ROE | 0.5 | 0.9 | -9.2 | -7.8 | 2.6 | 0.4 | -15.4 | -11.7 |
| Efficiency | 97.0 | 96.6 | 427.2 | 219.0 | 90.0 | 99.1 | 94.7 | 97.1 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.2 | 0.2 | 0.4 | 0.6 | 0.4 | 0.4 | 0.8 | 0.5 |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.2 | 0.0 | 0.0 | 0.0 | 0.0 |
| Loan/Deposit | 94.4 | 93.3 | 95.2 | 92.8 | 93.4 | 92.6 | 82.3 | 74.0 |
Balance Sheet
Total Assets$11.9B
Total Deposits$9.3B
Total Loans$6.9B
Total Equity$1.1B
Profitability
ROA-1.10%
ROE-11.65%
Efficiency Ratio97.13%
Net Income$-132.9M
Risk & Asset Quality
NPL Ratio0.55%
Charge-off Rate0.01%
Loan/Deposit74.04%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans