First Foundation is a California-based bank holding company that provides integrated banking and wealth management services, primarily targeting high-net-worth individuals and small-to-mid-sized businesses. The company operates through two core businesses: First Foundation Bank (FFB), which offers commercial and consumer lending, deposit products, and trust services across California, Nevada, Florida, Texas, and Hawaii; and First Foundation Advisors (FFA), a fee-based registered investment advisor managing $5.1B in AUM for high-net-worth individuals and family offices. First Foundation positions itself as a middle ground between large national banks and boutique wealth managers, offering an integrated banking and wealth management platform with personalized service. FFB earns net interest income from the spread between loan yields and deposit costs, while FFA generates recurring fee income as a percentage of AUM. The loan portfolio has historically been concentrated in multifamily CRE, but First Foundation is in the midst of a significant balance sheet restructuring initiated in Q3 2024, reducing CRE concentration and shifting new originations toward higher-yielding C&I loans. FFB also operates a growing digital banking channel that crossed $1B in deposits in Q2 2025. In October 2025, First Foundation announced a merger agreement under which it will merge into FirstSun Capital Bancorp, with First Foundation Bank simultaneously merging into Sunflower Bank.