Item 1.01 Entry into a Material Definitive Agreement.

On January 20, 2022, First Foundation Inc. (the "Company") and its wholly-owned subsidiary, First Foundation Bank, entered into an underwriting agreement (the "Underwriting Agreement") with Piper Sandler & Co., as representative of the underwriters named therein (the "Underwriters"). Pursuant to the terms of the Underwriting Agreement, the Company agreed to sell, and the Underwriters agreed to purchase, subject to and on the conditions set forth therein, $150,000,000 aggregate principal amount of the Company's 3.50% Fixed-to-Floating Rate Subordinated Notes due 2032 (the "Notes") in a registered public offering pursuant to an effective shelf registration statement on Form S-3 (Registration File No. 333-239396). The Underwriting Agreement contains customary representations, warranties and covenants of the Company, conditions to closing, indemnification obligations of the Company and the Underwriters, and termination and other customary provisions. The representations, warranties and covenants contained in the Underwriting Agreement were made only for purposes of such agreement and as of specific dates and were solely for the benefit of the parties to such agreement. The description of the Underwriting Agreement contained herein is qualified in its entirety by reference to the Underwriting Agreement, a copy of which is included as Exhibit 1.1 to this Current Report on Form 8-K and is incorporated herein by reference.




Item 8.01 Other Events.

On January 21, 2022, the Company issued a press release announcing the pricing of its offering of the Notes. A copy of the press release is attached hereto as Exhibit 99.1 and is incorporated herein by reference.

Item 9.01 Financial Statements and Exhibits.





Exhibit No.                               Description
    1.1         Underwriting Agreement, dated as of January 20, 2022, by and
              among First Foundation Inc., First Foundation Bank and Piper
              Sandler & Co., as representative of the underwriters named
              therein.
   99.1         Press Release dated January 21, 2022.
    104       Cover Page Interactive Data File (embedded within the Inline XBRL
              document)

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