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First Foundation (FFWM) investor relations material
First Foundation Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary30 Oct, 2025
Executive summary
Reported a net loss of $146.3 million for Q3 2025, driven by a significant increase in provision for credit losses and a $94.7 million deferred tax asset valuation allowance.
Announced a merger agreement with FirstSun Capital Bancorp, expected to close in Q2 2026, with FFI shareholders to own 40.5% of the combined company and the combined entity expected to improve profitability metrics.
Pre-provision net revenue was $6.1 million, a significant improvement from the prior quarter's negative $8.5 million.
Total assets decreased 5.8% to $11.9 billion at September 30, 2025, primarily due to loan sales and paydowns, offset by higher cash balances.
Financial highlights
Net interest income for Q3 2025 was $46.1 million, down from $49.1 million in Q3 2024, as average interest-earning assets declined.
Provision for credit losses surged to $65.0 million in Q3 2025, including $16.8 million related to a single large C&I loan.
Noninterest income was $17.5 million in Q3 2025, reflecting gains on capital market activities and absence of large loan sale losses seen in prior periods.
Noninterest expense was $57.5 million in Q3 2025, slightly down from $60.2 million in Q3 2024 and $59.9 million in Q2 2025.
Efficiency ratio improved to 90.0% from 116.0% in the prior quarter.
Outlook and guidance
The merger with FirstSun is expected to close in early Q2 2026, subject to regulatory and shareholder approvals, and is anticipated to drive EPS accretion and improved return metrics.
Management anticipates continued focus on balance sheet repositioning and cost control ahead of the merger.
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Next First Foundation earnings date
Q4 202529 Jan, 2026
Next First Foundation earnings date
Q4 202529 Jan, 2026
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First Foundation Inc. is a financial services company offering personal and business banking, investment management, trust services, and insurance solutions. It operates primarily through its subsidiary First Foundation Bank. The company is headquartered in Dallas, Texas, and its shares are listed on the NYSE.
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