First Foundation Bank

Overview / Commentary
18101 Von Karman Ave
Irvine, CA 92612

First Foundation Bank is headquartered in Irvine and is the 18th largest bank in the state of California. It is also the 160th largest bank in the nation. It was established in 2007 and as of December of 2021, it had grown to 603 employees at 29 locations. First Foundation Bank's savings rates are 92% higher than the national average, and it boasts an A+ health rating.

Friendly & Helpful Customer Service

I opened a savings account here for the 2.00% instead of the 0.05% offered by my previous bank. I called customer service to have them walk me through opening the account and the person I spoke to was really nice and helpful. I had a particularly positive experience this week and wanted to share. Excited to actually earn something on my savings.

A Fine Bank

First Foundation has the Integrity other banks do not. Other banks offer attractive rates for new money and at the first sign of lower market rates drop the yield. Customers Bank comes to mind. They were offering 2.40% and dropped it to 1.95% after getting the new depositors aboard. FF feels an obligation to the new money depositors to maintain the 2.40%. I like that a lot. I closed Customers, Vio, Popular, Western, Salem5, Webank, EastBoston, United, My Savings, IGO, Ally and others that suck in new money and drop the trap door on rates.
You'll like this bank.

Bank With Great Service And ATM Connivence

My husband and I have been banking at First Foundation for the last 3 years and have had a great experience. We have used a variety of their personal products including a CD and their online savings account. Their online banking and apps are as good as many of the larger banks and their customer service is on point. I rarely have to call about anything but when I do I get a real banker, not a machine. Another great feature of the bank is with their ATM cards they reimburse for other bank’s fees so we can use any ATM in the country for free. It’s more convenient than banking at chase or BofA. Highly recommend the bank.

Good Bank For Interest Rate 2022

Their web account is clunky, but it works.



Health Grade Components

FDIC Certificate #58647
Year Established2007
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.35%
Return on Equity - YTD13.5%
Annual Interest Income$256.9MM
Assets and Liabilities
AssetsQ4 2021vs Q4 2020$10.17B$6.94B
LoansQ4 2021vs Q4 2020$7.37B$5.29B
DepositsQ4 2021vs Q4 2020$8.84B$5.92B
Equity CapitalQ4 2021vs Q4 2020$1.07B$697.6MM
Loan Loss AllowanceQ4 2021vs Q4 2020$33.8MM$24.2MM
Unbacked Noncurrent LoansQ4 2021vs Q4 2020$8.3MM$20.9MM
Real Estate OwnedQ4 2021vs Q4 2020$6.2MM$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First Foundation Bank Savings Account Rates

1.00%*-$5mOnline Savings Account - New Money Only
OTHER TIERS: 0.35% $5m+


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