First Foundation Investor Presentation Deck

Balance Sheet and Equity Capital FFI TCE/TA(¹) 8.31% YE 2019 $11.57 YE 2019 8.75% YE 2020 $13.44 8.44% YE 2020 YE 2021 FFI TBV Per Share(¹) 9.9% CAGR $14.92 YE 2021 7.13% YE 2022 FIRST FOUNDATION Copyright © 2023 First Foundation Inc. All Rights Reserved $16.20 YE 2022 7.09% 2Q23 $16.12 2Q23 8.22% 8.25% YE 2019 11.12% 11.15% 1) Use of Non-GAAP Measures 2) Regulatory capital ratios for 2Q23 are preliminary until filing of our June 30, 2023 FDIC call report. YE 2019 Tier I Leverage Ratio (2) 8.98% 8.93% YE 2020 8.53% 8.43% YE 2021 FFB FFI YE 2020 12.25% 12.17% 12.04% 11.90% Total Risk Based Capital Ratio (2) YE 2021 8.59% FFBFFI 7.44% YE 2022 11.01% 11.29% 8.21% YE 2022 6.97% 2Q23 11.73% 11.76% 2Q23 42

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