First Foundation Investor Presentation Deck

Profile of Deposits $12,000 $10,000 $8,000 $6,000 $4,000 $2,000 $0 $4,891 $1,208 $1,251 $2,285 Deposits by Channel 3Q23 ($ in millions) $5,913 $326 $2,230 24.7% $550 $2,808 YE 2019 YE 2020 Branch Digital 5.5% $8,812 $90 $2,989 FIRST FOUNDATION Copyright © 2023 First Foundation Inc. All Rights Reserved $414 $5,318 $10,363 $1,381 $4,047 $789 $4,146 $10,812 $2,667 $3,353 Brokered Deposits as a % of Total Deposits 1.0% 13.3% $965 $3,827 YE 2021 YE 2022 3Q23 Commercial Services Brokered 24.7% Insured and Collateralized Deposits 87%, Uninsured and Uncollateralized Deposits 13% as of 3Q23 Deposits by Type 3Q23 ($ in millions) $2,413 22% $2,275 21% $10,812 Total Deposits $2,973 28% $3,151 29% ■ Noninterest-Bearing Demand Interest-Bearing Demand ■ Money Market & Savings ■ Certificates of Deposits 3Q23 Cost of Deposits: 3.03% Noninterest-bearing deposits make up 22% of deposit base 22

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