First Foundation Investor Presentation Deck

Lending Activities Limited but Focused on High Quality Commercial Business $6,000 $5,000 $4,000 $3,000 $2,000 $1,000 $0 Loan Origination Composition Trend ($ in millions) 2018 (1) 2019 2020 ■ Commercial Business CRE Investment (2) 2021 FIRST FOUNDATION Copyright © 2023 First Foundation Inc. All Rights Reserved 2022 3Q22 3Q23 YTD YTD ■ Multifamily Single-Family 100% 1) 2) 90% Includes $171 million in PPP loans. Includes $56 million in PPP loans. 80% 70% 60% 50% 40% 30% 20% 10% 0% Commercial business originations in 3Q23 YTD of $1.2 billion and $2.9 billion in 2022. Origination Composition 2% 5% 3% 42% 3Q22 YTD Commercial Business ■ Other 48% CRE Investment 3% Multifamily ■ Single-Family 2% 3% 91% 3Q23 YTD 15

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