First Foundation Investor Presentation Deck

2023 Banking Environment ■ ■ ■ Fed interest rate actions culminated, causing unprecedented challenges throughout the industry during the quarter. Fed has raised interest rates 525bps since January 2022, creating significant NIM compression for all banks. Total deposits at Q2'23 were $10.81 billion, up $755 million from prior quarter. Deposit inflows and outflows normalized in Q2'23. FIRST FOUNDATION Copyright © 2023 First Foundation Inc. All Rights Reserved 3

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