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Investor Relations14 Oct 2025
Boost Your Earnings Season Strategy With Real‑Time Alerts
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First Foundation (FFWM) investor relations material
First Foundation Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary31 Jul, 2025
Executive summary
Sold $858M in CRE/multifamily loans, reducing CRE concentration to 365% of regulatory capital and high-cost deposits by $865M; CRE loan sales since Q3 2024 total $1.3B.
Reported a net loss of $7.7M for Q2 2025, compared to net income in prior quarters; core after-tax net income was $1M after adjustments.
Net interest margin rose to 1.68%, sixth consecutive quarterly increase; cost of deposits fell to 2.95%.
Strengthened capital and liquidity positions, with CET1 at 11.08%, total risk-based capital ratio 14.70%, and $3.5B in liquidity.
Strategic plan execution remains on track, with expectations to fully exit held-for-sale CRE portfolio by year-end.
Financial highlights
Net loss of $7.7M in Q2 2025, with adjusted net income of $1M after loan sale charges; adjusted EPS was $0.01.
Net interest income was $50.1M, up from $43.8M year-over-year; total revenue was $51.4M, down from $71.4M prior quarter due to loan sale losses.
Noninterest income dropped to $1.3M, mainly due to $10.4M loss on loan sales.
Noninterest expense increased to $59.9M, driven by higher compensation and professional services.
Tangible book value per share was $9.34, down from $9.42 prior quarter.
Outlook and guidance
Net interest margin expected to improve to 1.80–1.90% by Q4 2025, with further margin expansion possible if rates fall.
Expectation to complete one more CRE securitization and fully exit held-for-sale CRE by year-end.
Continued focus on reducing high-cost deposits and improving balance sheet mix.
Asset quality expected to remain strong with ongoing CECL enhancements.
Management expects continued efforts to strengthen internal controls and address material weaknesses.
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Next First Foundation earnings date
Q3 202530 Oct, 2025
Next First Foundation earnings date
Q3 202530 Oct, 2025
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Frequently asked questions
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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