First Foundation Investor Presentation Deck

Track Record of Delivering Profitability Adjusted Return on Average Assets (¹) 1.43% 0.84% 2018 63.3% 2018 0.94% 1.28% 2019 2020 2021 60.2% 49.3% Efficiency Ratio (¹) 47.5% 1.00% FIRST FOUNDATION Copyright © 2023 First Foundation Inc. All Rights Reserved 2022 3Q22 3Q23 YTD YTD 58.6% 1.14% 1) 0.15% 54.7% 2019 2020 2021 2022 3Q22 3Q23 YTD YTD 91.9% 11.0% Return on Average Tangible Common Equity(1) $1.04 11.9% 2018 2019 $1.29 2018 2019 Non-GAAP measure. See "Non-GAAP Financial Measures". 15.5% 16.9% $1.91 2020 2021 2022 3Q22 YTD 13.0% Adjusted Diluted Earnings Per Share (¹) $2.43 2020 2021 14.4% $2.02 $1.67 2.2% 2022 3Q22 YTD 3Q23 YTD $0.26 3Q23 YTD 33

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