🏦Bank Scorer

This institution is no longer active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%

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%

ROE

-3.42%

Risk-Based Capital

16.43%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Regional banks

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

Mortgage Denial Rate13.89%Peer avg: 26.91%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

30

Branch Deposits

$8.6B

1-Year Change

0

5-year net change: +9 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20247279.17%13.89%
20234165.85%19.51%
202274688.47%4.83%
202191588.96%4.92%
202064981.97%7.24%
201952387%5.93%
201863689.15%5.19%

2024 national avg denial rate: 23.75% · Regional bank avg: 26.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

4 previous ratings locked — dating 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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