First Foundation Investor Presentation Deck

Securities Portfolio ■ ■ 1) 84% of investment portfolio is government guaranteed Highly liquid and pledgeable Portfolio Investment Securities 2Q23 1% Tax-effected. 1% 5% ■CMO MBS Munis FIRST FOUNDATION Copyright © 2023 First Foundation Inc. All Rights Reserved 0% 1% 11% $1,015 MM Total 81% SBA FHLMC Corporate ■Treasury AFS unrealized loss $21 Million (¹) HTM unrealized loss $64 Million(¹) Total unrealized loss $85 Million(¹) Securities Mix 2Q23 ($ in millions) HTM 815 80% $1,015 MM Total AFS HTM AFS 201 20% 35

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