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 $2,285 Deposits by Channel 2Q23 ($ in millions) $5,913 $326 $2,230 24.7% $550 $2,808 YE 2020 YE 2019 ■Branch Digital 5.5% $8,812 $90 FIRST FOUNDATION Copyright © 2023 First Foundation Inc. All Rights Reserved $2,989 $414 $5,318 $10,363 $1,381 $4,047 $789 $4,146 $10,807 $2,204 $3,775 $913 Brokered Deposits as a % of Total Deposits 1.0% 13.3% $3,915 YE 2021 YE 2022 2Q23 Commercial Services Brokered 20.4% Insured and Collateralized Deposits 88%, Uninsured and Uncollateralized Deposits 12% as of 2Q23 Deposits by Type 2Q23 ($ in millions) $2,660 25% $2,281 21% $10,807 Total $3,096 Deposits 29% $2,769 26% ■ Noninterest-Bearing Demand Interest-Bearing Demand ■ Money Market & Savings ■ Certificates of Deposits 2Q23 Cost of Deposits: 2.85% Noninterest-bearing deposits make up 25% of deposit base 23

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