18©2022 Pacific Premier Bancorp，Inc.|所有权利保留5年32%Muni债券$1,458 31%MBS$1,575 34%CMO$677 15%美国国债$581%机构$4329%公司票据$45410%流动证券组合投资证券(以百万为单位)截至2021年12月31日历史余额和收益率高评级证券组合·截至12月31日，投资证券总额为46.6亿美元，占总资产的22%2021年·比上一季度减少2.249亿美元，为更高收益的贷款增长提供资金·2021年第四季度平均收益率为1.62%·投资组合有效期限为4.6年·95%评级为A或更高的投资为47亿美元截至2021年12月31日的有效期限摘要$3,955$3,879$4,506$4,880$4,656$3,965$4,087$4,244$4,808$4,833 1.72%1.71%1.70%1.57%1.62%第四季度第一季度

19©2022 Pacific Premier Bancorp，Inc.|所有权利保留截至2021年12月31日存款总额171亿美元基于关系的存款·有吸引力的低成本和稳定的存款组合反映了我们基于关系的商业模式·4Q21存款成本从2011年第三季度的0.06%下降到0.04%·无息存款总计68亿美元，占总存款的39%·未到期存款占存款优质存款特许经营权1的94%。截至12月31日，季度平均成本2。2021 0.32 0.28 0.28 0.51 0.66 0.25 0.07 FY 2015 FY 2016 FY 2017 FY 2018 FY 2019 FY 2020 FY 2021目标联邦基金利率总存款成本·在上一个利率周期从15-17财年第四季度上调125个基点的目标联邦基金利率的存款成本没有增加总存款相对于目标联邦基金的历史成本(2)截至12月31日的消费者存款27%商业存款73%存款组合，2021年·18.2%累计存款贝塔系数，总存款成本从2015年第三季度至19年第三季度上升41个基点余额(2)占总存款成本的比例(1)(以千美元为单位)无息需求6,757,259$39%0.00%有息需求3,493,331 20%0.03%货币市场和储蓄5,806,726 34%0.06%未到期存款总额16,057,316 94%0.03%零售存单1,058,273 6%6%0.19%存款总额17,115,589美元100%2021年第四季度0.04%

20©2022 Pacific Premier Bancorp，Inc.|保留所有权利3.61%3.55%3.44%3.51%3.53%3.32%3.30%3.22%3.30%3.36%2020 Q1 2021 Q2 2021 Q3 2021 Q4 2021报告净息差核心净息差净息差1。请参阅附录中的非美国GAAP对账。核心净息差和核心贷款收益率不包括增值和其他一次性调整。报告和核心净利差4Q NIM扩张受到资金成本改善和贷款费用活动增加的支持贷款收益率存款成本影响2021年第四季度净利差增加的因素减少(1)(1)4.88%4.81%4.62%4.56%4.46%4.55%4.52%4.34%4.29%4.23%2020年第四季度2021Q2 2021Q3 2021Q4 2021年报告贷款收益率核心贷款收益率0.14%0.11%0.08%0.06%0.04%2020年第四季度2021Q1

21©2022 Pacific Premier Bancorp，公司|所有权利保留资本管理综合PPBI太平洋主要银行杠杆率10.08%9.85%9.47%普通股一级资本比率(CET1)12.11%11.96%12.04%一级资本比率12.11%11.96%12.04%总资本比率14.62%14.56%16.31%有形普通股权益比率(1)9.52%9.30%9.40%杠杆率11.62%11.38%10.89%普通股一级资本比率(CET1)1396%13.81%13.84%一级资本比率13.96%13.81%13.84%总资本比率14.70%14.61%15.89%Q4 2021 Q3 2021 Q4 2020·资本水平完全支持战略和有机增长目标·有形账面价值增长9%，同时在2021年向股东返还1.4亿美元资本1。请参阅附录中的非美国GAAP对账$18.65$18.19$19.38$19.75$20.29 9.40%8.97%9.38%9.30%9.52%4Q20 1Q21 2Q21 3Q21 4Q21每股有形账面价值和有形普通股权益比率每股有形普通股权益比率TBV每股有形普通股权益比率

资产质量与信用风险管理

23©2022 Pacific Premier Bancorp，Inc.|LHFI的所有权利保留贷款组合和CECL ACL+公允价值标记按贷款类型列出的信贷损失拨备1.以酒店房地产为抵押的SBA贷款2.以酒店房地产以外的不动产为抵押的SBA贷款3.将FV折扣添加到因投资而持有的贷款增加减少综合吸收损失能力CECL模型更新·利用穆迪的概率加权12月经济预测-改善CECL模型中相对于第三季度ACL的经济预测LHFI更改属性(以百万美元为单位197,752$1.38%加：收购贷款的公允价值标志(3)77,106 0.54%总免税额+公允价值标志(3)274,858$1.91%(以千美元为单位)贷款房地产商协会贷款余额由房地产CRE非业主担保的HFI投资者贷款占37,380$1.35%多户55,209 0.94%由房地产担保的建筑和土地5,211 1.88%SBA(1)3,201 6.82%由房地产CRE业主担保的商业贷款29,201 6.82%1.31%特许经营房地产担保7985 2.10%由房地产担保的SBA(2)4866 7.03%商业和工业贷款38,136 1.81%特许经营非房地产担保15,084 3.84%SBA非房地产担保565.12%单户住宅255 0.27%消费贷款285 5.03%贷款HFI 197,752$1.38%12/31/2021

24©2022 Pacific Premier Bancorp，公司|所有权利保留资产质量趋势不良资产(占总资产的%)逾期贷款(占总贷款的百分比)分类贷款(占总贷款的百分比)净冲销(占贷款的百分比)资产质量保持强劲反映行业领先的信用风险管理$6.4$1.3$1.1$1.8-$1.00.05%0.01%0.01%-0.01%4Q2020第一季度2021 2Q2021 3Q2021 4Q2021净冲销(收回)NCOS/AVG贷款$29.2$38.9$344$35.1$31.3 0.15%0.19%0.17%0.17%0.15%2021年第一季度20212Q20213Q20214Q2021不良资产注意：以百万美元计$128.3$134.7$131.4$124.5$121.8 0.97%1.03%0.97%0.89%0.85%4Q201201Q20212Q20214Q2021分类贷款分类贷款/贷款$13.3$22.6$19.3$20.2$19.2$19.2$19.2$19.2$19.2$19.2$19.2$19.2$19.2$19.2$19.2$19.2$19.2$19.2$19.2$19.2$19.2$19.2$19.2$19.2$19.2$19.2$19.2$19.2$19.2.17%0.14%0.14%0.14%2020年第四季度第一季度2021第二季度2021第三季度2021第四季度逾期贷款PD贷款/贷款HFI

25©2022 Pacific Premier Bancorp，Inc.|保留所有权利3.23%1.65%0.15%4.21%0.26%0.00%0.50%1.00%1.50%2.00%2.50%3.00%3.50%4.00%4.00%4.50%2009年第一季度第二季度第四季度2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 PPBI同业信用风险管理信用质量历来优于同行不良资产与总资产之比CNB失败-银行收购2/11/11 PDNB失败-银行收购4/27/12注：同业集团由西部地区银行和储蓄机构组成，截至9月30日总资产在50亿美元至530亿美元之间，2021年

26©2022 Pacific Premier Bancorp，Inc.|保留所有权利注意：2020年前，CRE集中率定义为(非所有者占用的CRE+建设+多户)/总风险资本1.2020年及以后的CRE集中率定义为(非所有者占用的CRE+建设+多户)/(一级资本+可归因于贷款的ACL)CRE集中率(1)627%499%415%372%310%349%316%336%287%287%275%356%341%342%332%326%CRE集中率(1)627%499%415%372%310%349%316%336%287%287%275%356%341%342%332%326%通过多个周期管理CRE浓度的受管增长Grandpoint收购经验减少400%600%800%·CRE浓度在整个组织内得到很好的管理，每半年进行一次压力测试Opus收购CRE与资本集中度的比率

PPBI文化与治理

28©2022 Pacific Premier Bancorp，Inc.|所有权利保留文化在Pacific Premier Bank我们的文化是由我们的成功属性定义的·过度沟通-保持透明·提供及时和完整的信息·协作做出更好的决策·电子沟通是有用的工具-语言沟通更好·结果重要·共同成就更多·对以新方式取得成果持开放态度·谦逊、取胜的态度具有感染力·进步是渐进的。随着时间的推移，微小的变化会产生重大影响·错误时有发生。向他们学习，不要重蹈覆辙·对你的个人和职业发展负责·审视你的期望·每次都做正确的事情。·把组织放在第一位，而不是你的私利第一·对你的行为负责·对所有利益相关者完整的真相·以一种紧迫感运作。·深思熟虑、注重细节·及时做出决定·立即行动·当天回复电子邮件、电话-100%的时间

29©2022 Pacific Premier Bancorp，Inc.|保留所有权利我们专注于ESG环境ISS质量的透明度和持续改进得分：4社会ISS质量得分：3治理ISS质量得分：1·获得了公司增长协会颁发的2021年企业责任奖；并被确认为2021年公民50橙县荣誉获得者·在我们过去两次连续两次的社区再投资法案(CRA)考试中获得杰出评级·获得OC慈善挑战赛颁发的2021年最具创新性项目奖，以表彰我们促进金融教育的创新和引人入胜的方法·成为加州社区经济发展协会气候适应倡议的执行赞助商·启动了一个新的高级包容计划和战略，以促进与多样性相关的倡议，公平和包容，并聘请了组织发展合作伙伴，以进一步完善长期影响承诺计划，使其与联合国可持续发展目标(SDGs)保持一致。我们的ESG倡议以及我们对社区组织的支持帮助我们与几个联合国可持续发展目标保持一致。目前的环境倡议旨在改善信息披露、评估气候风险并减少对环境的影响我们对社区、客户和员工的承诺是我们ESG战略的核心(1)社区支持7, 418志愿者小时480+社区伙伴关系我们的全体董事会负责监督整个组织的ESG和企业社会责任努力80%的慈善捐款惠及少数族裔社区5000万美元对公平影响倡议的承诺·制定温室气体排放清单的早期阶段和我们贷款标准的环境影响·初步评估与气候相关的风险和机会的潜在影响·目前正在评估采用正式的环境披露框架，包括可持续性会计准则委员会(“SASB”)和与气候相关的财务披露特别工作组(“TCFD”)2021年社会正义倡议对ESG的承诺·董事会提名和治理委员会完全由独立董事组成，负责监督我们与ESG计划相关的战略、政策和倡议·ESG的具体方面由其他董事会委员会监督，包括企业风险委员会6 4员工亮点53%少数族裔47%非少数族裔59%女性41%男性99%全职1%兼职

30©2022 Pacific Premier Bancorp，Inc.|保留所有权利我们的董事会继续加强我们的公司治理做法，以提高长期股东价值董事会独立性·首席独立董事·独立董事(11名董事中有10名是独立董事)·所有由独立董事组成的董事会委员会·独立董事定期举行由首席独立董事领导的执行会议·年度董事会和委员会评估·由全体董事会和委员会进行风险监督和战略规划·外部董事会服务仅限于另外三个董事会·董事会可以直接接触我们所有高级执行官董事会问责·所有董事的年度选举·多数票标准到位(不连续·股东有能力以10%的支持率召开特别会议·股东参与计划，并将反馈纳入董事会审议股权/薪酬·针对所有董事和被任命的高管的稳健的股权指导方针·收回政策到位·维持对我们股票的对冲和质押股份的限制·双重触发股权归属条款，以改变公司治理

31©2022 Pacific Premier Bancorp，Inc.|所有权利保留承诺定期更新以使我们的董事会符合我们的战略流程概述·我们的董事会致力于每年审查董事所需的适当技能和特征，并为潜在的被提名人提供建议·董事会还认为在各个方面的多样性和包容性极其重要(目前有4名独立董事符合不同的资格)，并意识到这一需要，因为候选人被考虑填补目前的董事会空缺关键的遴选标准诚信和独立性董事会的组成应反映出对以下需求的敏感性以前或现在与以卓越著称的机构的联系表现出领导能力，具有广泛的经验、不同的视角和行使稳健业务判断的能力上市公司监管经验在审计、公司治理、企业风险、高管薪酬实践、法规合规、技术、数据安全和隐私等治理领域的重要经验专门技能、专业知识或背景，补充和补充了一系列技能，经历和背景职业成功证明有能力做出重要而敏感的判断，董事会被要求提供履行董事职责所需的可用性和精力我们的行动过程自2019年以来增加了四名独立董事·M·克里斯蒂安·米切尔前高级合伙人，德勤前首席运营官兼首席财务官乔治·佩雷拉，嘉信理财首席运营官·嘉信理财公司首席法律顾问芭芭拉·波尔斯基，吉科集团公司和前合伙人马纳特，菲尔普斯&菲利普斯律师事务所(Manatt，Phelp&Phillips)·M·克里斯蒂安·米切尔(M.Christian Mitchell)高级合伙人·乔治·佩雷拉(George Pereira)前首席运营官兼首席财务官嘉信理财(Charles Schwab Investment Management Inc.), LLP·Jaynie Studenmund First Interstate Bank、Great Western Bank和Home Savings Board更新与评估流程零售和商业银行业务前负责人·CVB金融公司前执行副总裁兼首席财务官理查德·托马斯(Richard Thomas)

32©2022 Pacific Premier Bancorp，Inc.|所有权利保留PPBI投资论文我们在好的时候和坏的时候都保持着强大的信用文化对风险管理的强调一直并将继续是我们组织的关键力量经验丰富和受人尊敬的银行收购者-自2011年以来11次成功的收购财务业绩保持稳健-强劲的资本充足率和核心收益我们的文化使我们脱颖而出，推动所有利益相关者的基本面股东价值是我们的主要关注点-为我们的所有者建立长期价值多元化董事会为战略提供建议，监督风险和

附录材料

34© 2022 Pacific Premier Bancorp, Inc. | All rights reserved NON-U.S. GAAP FINANCIAL MEASURES Note: All dollars in thousands, except per share data Tangible common equity to tangible assets (the "tangible common equity ratio") and tangible book value per share are non-U.S. GAAP financial measures derived from U.S. GAAP-based amounts. We calculate the tangible common equity ratio by excluding the balance of intangible assets from common stockholders' equity and dividing by tangible assets. We calculate tangible book value per share by dividing tangible common equity by common shares outstanding, as compared to book value per common share, which we calculate by dividing common stockholders’ equity by common shares outstanding. We believe that this information is consistent with the treatment by bank regulatory agencies, which exclude intangible assets from the calculation of risk-based capital ratios. Accordingly, we believe that these non-U.S. GAAP financial measures provide information that is important to investors and that is useful in understanding our capital position and ratios. However, these non-U.S. GAAP financial measures are supplemental and are not a substitute for an analysis based on U.S. GAAP measures. As other companies may use different calculations for these measures, this presentation may not be comparable to other similarly titled measures reported by other companies. A reconciliation of the non-U.S. GAAP measure of tangible common equity ratio to the U.S. GAAP measure of common equity ratio and tangible book value per share to the U.S. GAAP measure of book value per share are set forth below. March 31, June 30, Sept. 30, Dec. 31, 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2021 2021 2021 Total stockholders' equity 78,602$ 86,777$ 134,517$ 175,226$ 199,592$ 298,980$ 459,740$ 1,241,996$ 1,969,697$ 2,012,594$ 2,746,649$ 2,703,098$ 2,813,419$ 2,838,116$ 2,886,311$ Less: Intangible assets - 2,069 2,626 24,056 28,564 58,002 111,941 536,343 909,282 891,634 984,076 981,568 978,675 974,763 970,883 Tangible common equity 78,602$ 84,708$ 131,891$ 151,170$ 171,028$ 240,978$ 347,799$ 705,653$ 1,060,415$ 1,120,960$ 1,762,573$ 1,721,530$ 1,834,744$ 1,863,353$ 1,915,428$ Total assets 826,816$ 961,128$ 1,173,792$ 1,714,187$ 2,037,731$ 2,789,599$ 4,036,311$ 8,024,501$ 11,487,387$ 11,776,012$ 19,736,544$ 20,173,298$ 20,529,486$ 21,005,211$ 21,094,429$ Less: Intangible assets - 2,069 2,626 24,056 28,564 58,002 111,941 536,343 909,282 891,634 984,076 981,568 978,675 974,763 970,883 Tangible assets 826,816$ 959,059$ 1,171,166$ 1,690,131$ 2,009,167$ 2,731,597$ 3,924,370$ 7,488,158$ 10,578,105$ 10,884,378$ 18,752,468$ 19,191,730$ 19,550,811$ 20,030,448$ 20,123,546$ Tangible common equity ratio 9.51% 8.83% 11.26% 8.94% 8.51% 8.82% 8.86% 9.42% 10.02% 10.30% 9.40% 8.97% 9.38% 9.30% 9.52% Basic shares outstanding 10,033,836 10,337,626 13,661,648 16,656,279 16,903,884 21,570,746 27,798,283 46,245,050 62,480,755 59,506,057 94,483,136 94,644,415 94,656,575 94,354,211 94,389,543 Book value per share 7.83$ 8.39$ 9.85$ 10.52$ 11.81$ 13.86$ 16.54$ 26.86$ 31.52$ 33.82$ 29.07$ 28.56$ 29.72$ 30.08$ 30.58$ Less: Intangible book value per share - 0.20 0.19 1.44 1.69 2.69 4.03 11.60 14.55 14.98 10.42 10.37 10.34 10.33 10.29 Tangible book value per share 7.83$ 8.19$ 9.65$ 9.08$ 10.12$ 11.17$ 12.51$ 15.26$ 16.97$ 18.84$ 18.65$ 18.19$ 19.38$ 19.75$ 20.29$ As of December 31, As of

35©2022 Pacific Premier Bancorp，Inc.|保留非美国GAAP财务指标的所有权利注：所有美元以千美元为单位1.平均有形普通股权益的年化回报是非美国GAAP财务指标，基于美国GAAP的金额。我们通过剔除CDI摊销费用，并从该期间的平均股东权益中剔除平均CDI和平均商誉来计算这一数字。我们相信，这一非美国公认会计准则的财务衡量标准提供了对投资者很重要的信息，有助于了解我们的业绩。这项非美国GAAP财务衡量标准是补充的，不能替代基于美国GAAP衡量标准的分析。由于公司可能使用不同的计算方法来衡量这一指标，因此本报告可能无法与其他公司报告的其他类似名称的指标相比较。美国公认会计原则衡量平均股本回报率与非美国公认会计原则衡量平均有形普通股股本回报率的对账如下。2021年12月31日9/30 2021年12月31日净收益(亏损)67,136美元90,088美元84,831美元加上：无形资产摊销费用4,505 3,912 3,880减去：无形资产摊销费用税调整1,288 1,119 1,107平均有形普通股权益净收入70,353美元92，881美元87,604美元加：与合并有关的费用5,071--减去：与合并有关的费用税调整1,450--不包括与合并有关的费用的平均有形普通股权益的净收入73,974美元92,881美元87,604美元平均股东权益2,710美元，509元2,844,800元2,851,000元：平均无形资产88,216 75,795 71, 897减去：平均商誉898,436 901,312 901,312有形普通股平均股本1723,857$1,867,693$1,877,791$平均股本回报率(1)9.91%12.67%11.90%平均有形普通股股本回报率(1)16.32%19.89%18.66%不包括合并相关费用的平均有形普通股股本回报率(1)17.16%19.89%18.66%

36© 2022 Pacific Premier Bancorp, Inc. | All rights reserved NON-U.S. GAAP FINANCIAL MEASURES Note: All dollars in thousands 1. Losses from 2013-2016 related to Other Than Temporary Impairment For periods presented below, efficiency ratio is a non-U.S. GAAP financial measure derived from U.S. GAAP-based amounts. This figure represents the ratio of noninterest expense less other real estate owned operations, amortization of intangible assets expense, and merger-related expense to the sum of net interest income before provision for loan losses and total noninterest income, less gain/(loss) on sale of securities, other income – security recoveries, and gain/(loss) on sale of other real estate owned. Management believes that the exclusion of such items from this financial measures provides useful information to gain an understanding of the operating results of our core business. This non-U.S. GAAP financial measure is supplemental and is not a substitute for an analysis based on U.S. GAAP measures. As companies may use different calculations for this measure, this presentation may not be comparable to other similarly titled measures reported by other companies. A calculation of the non-U.S. GAAP measure of efficiency ratio is set forth below. FY 2013 FY 2014 FY 2015 FY 2016 FY 2017 FY 2018 FY 2019 FY 2020 Q1 2021 Q2 2021 Q3 2021 Q4 2021 Total noninterest expense 50,815$ 54,938$ 73,332$ 98,063$ 167,958$ 249,905$ 259,065$ 381,119$ 92,489$ 94,496$ 96,040$ 97,252$ Less: amortization of intangible assets expense 764 1,014 1,350 2,039 6,144 13,594 17,245 17,072 4,143 4,001 3,912 3,880 Less: Merger-related expense 6,926 1,490 4,799 4,388 21,002 18,454 656 49,129 5 - - - Less: Other real estate owned operations, net 618 75 121 385 72 4 160 1 - - - - Noninterest expense, adjusted 42,507$ 52,359$ 67,062$ 91,251$ 140,740$ 217,853$ 241,004$ 314,917$ 88,341$ 90,495$ 92,128$ 93,372$ Net interest income 58,444$ 73,635$ 106,299$ 153,075$ 247,502$ 392,711$ 447,301$ 574,211$ 161,652$ 160,934$ 169,069$ 170,719$ Plus: Total noninterest income 8,811 13,377 14,388 19,602 31,114 31,027 35,236 71,325 23,740 26,729 30,100 27,281 Less: Net gain (loss) from investment securities 1,544 1,547 290 1,797 2,737 1,399 8,571 13,882 4,046 5,085 4,190 3,585 Less: Other income - security recoveries(1) (4) (29) - (205) 1 4 2 2 2 6 1 1 Less: Net gain (loss) from other real estate owned - - - 18 46 281 52 (112) - - - - Less: Net gain (loss) from debt extinguishment - - - - - - (612) - (503) (647) 970 - Revenue, adjusted 65,715$ 85,494$ 120,397$ 171,067$ 275,832$ 422,054$ 474,524$ 631,764$ 181,847$ 183,219$ 194,008$ 194,414$ Efficiency Ratio 64.7% 61.3% 55.9% 53.6% 51.0% 51.6% 50.8% 49.8% 48.6% 49.4% 47.5% 48.0%

37© 2022 Pacific Premier Bancorp, Inc. | All rights reserved NON-U.S. GAAP FINANCIAL MEASURES Note: All dollars in thousands 1. Annualized Pre-provision net revenue is a non-U.S. GAAP financial measure derived from U.S. GAAP-based amounts. We calculate pre-provision net revenue by excluding income tax, provision for credit losses, and merger-related expenses from net income. Management believes that the exclusion of such items from this financial measures provides useful information to gain an understanding of the operating results of our core business. This non-U.S. GAAP financial measure is supplemental and is not a substitute for an analysis based on U.S. GAAP measures. As companies may use different calculations for this measure, this presentation may not be comparable to other similarly titled measures reported by other companies. A calculation of the non-U.S. GAAP measure of pre-provision net revenue is set forth below. FY 2013 FY 2014 FY 2015 FY 2016 FY 2017 FY 2018 FY 2019 FY 2020 Q1 2021 Q2 2021 Q3 2021 Q4 2021 Interest income 63,800$ 81,339$ 118,356$ 166,605$ 270,005$ 448,423$ 526,107$ 630,726$ 172,994$ 170,692$ 176,047$ 177,006$ Interest expense 5,356 7,704 12,057 13,530 22,503 55,712 78,806 56,515 11,342 9,758 6,978 6,287 Net interest income 58,444 73,635 106,299 153,075 247,502 392,711 447,301 574,211 161,652 160,934 169,069 170,719 Noninterest income 8,811 13,377 14,388 19,602 31,114 31,027 35,236 71,325 23,740 26,729 30,100 27,281 Revenue 67,255 87,012 120,687 172,677 278,616 423,738 482,537 645,536 185,392 187,663 199,169 198,000 Noninterest expense 50,815 54,938 73,332 98,063 167,958 249,905 259,065 381,119 92,489 94,496 96,040 97,252 Add: Merger-related expense 6,926 1,490 4,799 4,388 21,002 18,454 656 49,129 5 - - - Pre-provision net revenue 23,366$ 33,564$ 52,154$ 79,002$ 131,660$ 192,287$ 224,128$ 313,546$ 92,908$ 93,167$ 103,129$ 100,748$ Pre-provision net revenue (annualized)(1) 23,366$ 33,564$ 52,154$ 79,002$ 131,660$ 192,287$ 224,128$ 313,546$ 371,632$ 372,668$ 412,516$ 402,992$ Average Assets 1,441,555$ 1,827,935$ 2,621,545$ 3,601,411$ 6,094,883$ 9,794,917$ 11,546,912$ 16,817,242$ 19,994,260$ 20,290,415$ 20,804,903$ 20,867,005$ PPNR / Average Assets 1.62% 1.84% 1.99% 2.19% 2.16% 1.96% 1.94% 1.86% 0.46% 0.46% 0.50% 0.48% PPNR / Average Assets (annualized)(1) 1.62% 1.84% 1.99% 2.19% 2.16% 1.96% 1.94% 1.86% 1.86% 1.84% 1.98% 1.93%

38© 2022 Pacific Premier Bancorp, Inc. | All rights reserved NON-U.S. GAAP FINANCIAL MEASURES Core net interest income and core net interest margin are non-U.S. GAAP financial measures derived from U.S. GAAP-based amounts. We calculate core net interest income by excluding scheduled accretion income, accelerated accretion income, premium amortization on CD and nonrecurring nonaccrual interest paid from net interest income. The core net interest margin is calculated as the ratio of core net interest income to average interest-earning assets. Management believes that the exclusion of such items from this financial measure provides useful information to gain an understanding of the operating results of our core business. Core loan interest income and core loan yields are non-U.S. GAAP financial measures derived from U.S. GAAP-based amounts. We calculate core loan interest income by excluding scheduled accretion income, accelerated accretion income and nonrecurring nonaccrual interest paid from loan interest income. The core loan yield is calculated as the ratio of core loan interest income to average loans. Management believes that the exclusion of such items from this financial measure provides useful information to gain an understanding of the operating results of our core business. Note: All dollars in thousands FY 2013 FY 2014 FY 2015 FY 2016 FY 2017 FY 2018 FY 2019 FY 2020 Q1 2021 Q2 2021 Q3 2021 Q4 2021 Net interest income 58,444$ 73,635$ 106,299$ 153,075$ 247,502$ 392,711$ 447,301$ 574,211$ 161,652$ 160,934$ 169,069$ 170,719$ Less: Accretion income 3,241 1,927 4,387 9,178 12,901 16,082 20,609 33,180 9,866 9,487 9,446 7,867 Less: Premium amortization on CD 139 143 200 411 969 1,551 521 6,443 1,751 942 390 183 Less: Nonrecurring nonaccrual interest paid - - - - - 380 470 (95) (603) (216) (74) 349 Core net interest income 55,064$ 71,565$ 101,712$ 143,486$ 233,632$ 374,698$ 425,701$ 534,683$ 150,638$ 150,721$ 159,307$ 162,320$ Average interest-earning assets 1,399,806$ 1,750,871$ 2,503,009$ 3,414,847$ 5,583,774$ 8,836,075$ 10,319,552$ 15,373,474$ 18,490,426$ 18,783,803$ 19,131,172$ 19,173,458$ Net interest margin 4.18% 4.21% 4.25% 4.48% 4.43% 4.44% 4.33% 3.74% 3.55% 3.44% 3.51% 3.53% Core net interest margin 3.93% 4.09% 4.06% 4.20% 4.18% 4.24% 4.13% 3.48% 3.30% 3.22% 3.30% 3.36% FY 2013 FY 2014 FY 2015 FY 2016 FY 2017 FY 2018 FY 2019 FY 2020 Q1 2021 Q2 2021 Q3 2021 Q4 2021 Loan interest income 58,089$ 75,751$ 111,097$ 157,935$ 251,027$ 415,410$ 485,663$ 577,558$ 155,225$ 152,365$ 157,025$ 157,418$ Less: Loan accretion 3,241 1,927 4,387 9,178 12,901 16,082 20,609 33,180 9,866 9,487 9,446 7,867 Less: Nonrecurring nonaccrual interest paid - - - - - 380 470 (95) (603) (216) (74) 349 Core loan interest income 54,848$ 73,824$ 106,710$ 148,757$ 238,126$ 398,948$ 464,584$ 544,473$ 145,962$ 143,094$ 147,653$ 149,202$ Average loans 1,039,654$ 1,424,727$ 2,061,788$ 2,900,379$ 4,724,808$ 7,527,004$ 8,768,389$ 11,819,898$ 13,093,609$ 13,216,973$ 13,660,242$ 14,005,836$ Loan yield 5.59% 5.32% 5.39% 5.45% 5.31% 5.52% 5.54% 4.89% 4.81% 4.62% 4.56% 4.46% Core loan yield 5.28% 5.18% 5.18% 5.13% 5.04% 5.30% 5.30% 4.61% 4.52% 4.34% 4.29% 4.23%