18©2022 Pacific Premier Bancorp，Inc.|所有權利保留5年32%Muni債券$1,458 31%MBS$1,575 34%CMO$677 15%美國國債$581%機構$4329%公司票據$45410%流動證券組合投資證券(以百萬為單位)截至2021年12月31日曆史餘額和收益率高評級證券組合·截至12月31日，投資證券總額為46.6億美元，佔總資產的22%2021年·比上一季度減少2.249億美元，為更高收益的貸款增長提供資金·2021年第四季度平均收益率為1.62%·投資組合有效期限為4.6年·95%評級為A或更高的投資為47億美元截至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.|所有權利保留截至2021年12月31日存款總額171億美元基於關係的存款·有吸引力的低成本和穩定的存款組合反映了我們基於關係的商業模式·4Q21存款成本從2011年第三季度的0.06%下降到0.04%·無息存款總計68億美元，佔總存款的39%·未到期存款佔存款優質存款特許經營權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目標聯邦基金利率總存款成本·在上一個利率週期從15-17財年第四季度上調125個基點的目標聯邦基金利率的存款成本沒有增加總存款相對於目標聯邦基金的歷史成本(2)截至12月31日的消費者存款27%商業存款73%存款組合，2021年·18.2%累計存款貝塔係數，總存款成本從2015年第三季度至19年第三季度上升41個基點餘額(2)佔總存款成本的比例(1)(以千美元為單位)無息需求6,757,259$39%0.00%有息需求3,493,331 20%0.03%貨幣市場和儲蓄5,806,726 34%0.06%未到期存款總額16,057,316 94%0.03%零售存單1,058,273 6%6%0.19%存款總額17,115,589美元100%2021年第四季度0.04%

20©2022 Pacific Premier Bancorp，Inc.|保留所有權利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報告淨息差核心淨息差淨息差1。請參閲附錄中的非美國GAAP對賬。核心淨息差和核心貸款收益率不包括增值和其他一次性調整。報告和核心淨利差4Q NIM擴張受到資金成本改善和貸款費用活動增加的支持貸款收益率存款成本影響2021年第四季度淨利差增加的因素減少(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年報告貸款收益率核心貸款收益率0.14%0.11%0.08%0.06%0.04%2020年第四季度2021Q1

21©2022 Pacific Premier Bancorp，公司|所有權利保留資本管理綜合PPBI太平洋主要銀行槓桿率10.08%9.85%9.47%普通股一級資本比率(CET1)12.11%11.96%12.04%一級資本比率12.11%11.96%12.04%總資本比率14.62%14.56%16.31%有形普通股權益比率(1)9.52%9.30%9.40%槓桿率11.62%11.38%10.89%普通股一級資本比率(CET1)1396%13.81%13.84%一級資本比率13.96%13.81%13.84%總資本比率14.70%14.61%15.89%Q4 2021 Q3 2021 Q4 2020·資本水平完全支持戰略和有機增長目標·有形賬面價值增長9%，同時在2021年向股東返還1.4億美元資本1。請參閲附錄中的非美國GAAP對賬$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每股有形賬面價值和有形普通股權益比率每股有形普通股權益比率TBV每股有形普通股權益比率

資產質量與信用風險管理

23©2022 Pacific Premier Bancorp，Inc.|LHFI的所有權利保留貸款組合和CECL ACL+公允價值標記按貸款類型列出的信貸損失撥備1.以酒店房地產為抵押的SBA貸款2.以酒店房地產以外的不動產為抵押的SBA貸款3.將FV折扣添加到因投資而持有的貸款增加減少綜合吸收損失能力CECL模型更新·利用穆迪的概率加權12月經濟預測-改善CECL模型中相對於第三季度ACL的經濟預測LHFI更改屬性(以百萬美元為單位197,752$1.38%加：收購貸款的公允價值標誌(3)77,106 0.54%總免税額+公允價值標誌(3)274,858$1.91%(以千美元為單位)貸款房地產商協會貸款餘額由房地產CRE非業主擔保的HFI投資者貸款佔37,380$1.35%多户55,209 0.94%由房地產擔保的建築和土地5,211 1.88%SBA(1)3,201 6.82%由房地產CRE業主擔保的商業貸款29,201 6.82%1.31%特許經營房地產擔保7985 2.10%由房地產擔保的SBA(2)4866 7.03%商業和工業貸款38,136 1.81%特許經營非房地產擔保15,084 3.84%SBA非房地產擔保565.12%單户住宅255 0.27%消費貸款285 5.03%貸款HFI 197,752$1.38%12/31/2021

24©2022 Pacific Premier Bancorp，公司|所有權利保留資產質量趨勢不良資產(佔總資產的%)逾期貸款(佔總貸款的百分比)分類貸款(佔總貸款的百分比)淨沖銷(佔貸款的百分比)資產質量保持強勁反映行業領先的信用風險管理$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淨沖銷(收回)NCOS/AVG貸款$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不良資產注意：以百萬美元計$128.3$134.7$131.4$124.5$121.8 0.97%1.03%0.97%0.89%0.85%4Q201201Q20212Q20214Q2021分類貸款分類貸款/貸款$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第四季度逾期貸款PD貸款/貸款HFI

25©2022 Pacific Premier Bancorp，Inc.|保留所有權利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同業信用風險管理信用質量歷來優於同行不良資產與總資產之比CNB失敗-銀行收購2/11/11 PDNB失敗-銀行收購4/27/12注：同業集團由西部地區銀行和儲蓄機構組成，截至9月30日總資產在50億美元至530億美元之間，2021年

26©2022 Pacific Premier Bancorp，Inc.|保留所有權利注意：2020年前，CRE集中率定義為(非所有者佔用的CRE+建設+多户)/總風險資本1.2020年及以後的CRE集中率定義為(非所有者佔用的CRE+建設+多户)/(一級資本+可歸因於貸款的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%通過多個週期管理CRE濃度的受管增長Grandpoint收購經驗減少400%600%800%·CRE濃度在整個組織內得到很好的管理，每半年進行一次壓力測試Opus收購CRE與資本集中度的比率

PPBI文化與治理

28©2022 Pacific Premier Bancorp，Inc.|所有權利保留文化在Pacific Premier Bank我們的文化是由我們的成功屬性定義的·過度溝通-保持透明·提供及時和完整的信息·協作做出更好的決策·電子溝通是有用的工具-語言溝通更好·結果重要·共同成就更多·對以新方式取得成果持開放態度·謙遜、取勝的態度具有感染力·進步是漸進的。隨着時間的推移，微小的變化會產生重大影響·錯誤時有發生。向他們學習，不要重蹈覆轍·對你的個人和職業發展負責·審視你的期望·每次都做正確的事情。·把組織放在第一位，而不是你的私利第一·對你的行為負責·對所有利益相關者完整的真相·以一種緊迫感運作。·深思熟慮、注重細節·及時做出決定·立即行動·當天回覆電子郵件、電話-100%的時間

29©2022 Pacific Premier Bancorp，Inc.|保留所有權利我們專注於ESG環境ISS質量的透明度和持續改進得分：4社會ISS質量得分：3治理ISS質量得分：1·獲得了公司增長協會頒發的2021年企業責任獎；並被確認為2021年公民50橙縣榮譽獲得者·在我們過去兩次連續兩次的社區再投資法案(CRA)考試中獲得傑出評級·獲得OC慈善挑戰賽頒發的2021年最具創新性項目獎，以表彰我們促進金融教育的創新和引人入勝的方法·成為加州社區經濟發展協會氣候適應倡議的執行贊助商·啟動了一個新的高級包容計劃和戰略，以促進與多樣性相關的倡議，公平和包容，並聘請了組織發展合作伙伴，以進一步完善長期影響承諾計劃，使其與聯合國可持續發展目標(SDGs)保持一致。我們的ESG倡議以及我們對社區組織的支持幫助我們與幾個聯合國可持續發展目標保持一致。目前的環境倡議旨在改善信息披露、評估氣候風險並減少對環境的影響我們對社區、客户和員工的承諾是我們ESG戰略的核心(1)社區支持7, 418志願者小時480+社區夥伴關係我們的全體董事會負責監督整個組織的ESG和企業社會責任努力80%的慈善捐款惠及少數族裔社區5000萬美元對公平影響倡議的承諾·制定温室氣體排放清單的早期階段和我們貸款標準的環境影響·初步評估與氣候相關的風險和機會的潛在影響·目前正在評估採用正式的環境披露框架，包括可持續性會計準則委員會(“SASB”)和與氣候相關的財務披露特別工作組(“TCFD”)2021年社會正義倡議對ESG的承諾·董事會提名和治理委員會完全由獨立董事組成，負責監督我們與ESG計劃相關的戰略、政策和倡議·ESG的具體方面由其他董事會委員會監督，包括企業風險委員會6 4員工亮點53%少數族裔47%非少數族裔59%女性41%男性99%全職1%兼職

30©2022 Pacific Premier Bancorp，公司|保留所有權利我們的董事會繼續加強我們的公司治理做法，以提高長期的股東價值董事會獨立性·領導獨立董事·獨立董事會(11名董事中有10名是獨立的)·所有由獨立董事組成的董事會委員會·獨立董事定期舉行由獨立董事領導的執行會議·年度董事會和委員會評估·由全體董事會和委員會進行風險監督和戰略規劃·外部董事會服務限於另外三個董事會·董事會可以直接接觸到我們的所有高級執行官董事會問責·年度選舉所有董事·多數票標準到位(不連續·股東有能力以10%的支持率召開特別會議·股東參與計劃，並將反饋納入董事會審議股權/薪酬·針對所有董事和被任命的高管的穩健的股權指導方針·收回政策到位·維持對我們股票的對衝和質押股份的限制·雙重觸發股權歸屬條款，以改變公司治理

31©2022 Pacific Premier Bancorp，Inc.|所有權利保留承諾定期更新以使我們的董事會符合我們的戰略流程概述·我們的董事會致力於每年審查董事所需的適當技能和特徵，併為潛在的被提名人提供建議·董事會還認為在各個方面的多樣性和包容性極其重要(目前有4名獨立董事符合不同的資格)，並意識到這一需要，因為候選人被考慮填補目前的董事會空缺關鍵的遴選標準誠信和獨立性董事會的組成應反映出對以下需求的敏感性以前或現在與以卓越著稱的機構的聯繫表現出領導能力，具有廣泛的經驗、不同的視角和行使穩健業務判斷的能力上市公司監管經驗在審計、公司治理、企業風險、高管薪酬實踐、法規合規、技術、數據安全和隱私等治理領域的重要經驗專門技能、專業知識或背景，補充和補充了一系列技能，經歷和背景職業成功表明有能力做出重要而敏感的判斷，董事會被要求做出可用性和精力所需的判斷，以履行他或她作為董事的職責我們的行動過程自2019年以來增加了四名獨立董事·M·克里斯蒂安·米切爾前高級合夥人，德勤前首席運營官兼首席財務官喬治·佩雷拉，嘉信理財公司首席運營官兼首席財務官·嘉信集團總法律顧問芭芭拉·波爾斯基，前合夥人馬納特，菲爾普斯·菲利普斯·M·克里斯蒂安·米切爾(M.Christian Mitchell)前高級合夥人德勤·喬治·佩雷拉(George Pereira)前首席運營官兼首席財務官嘉信理財(Charles Schwab Investment Management Inc.), LLP·Jaynie Studenmund First Interstate Bank、Great Western Bank和Home Savings Board更新與評估流程零售和商業銀行業務前負責人·CVB金融公司前執行副總裁兼首席財務官理查德·託馬斯(Richard Thomas)

32©2022 Pacific Premier Bancorp，Inc.|所有權利保留PPBI投資論文我們在好的時候和壞的時候都保持着強大的信用文化對風險管理的強調一直並將繼續是我們組織的關鍵力量經驗豐富和受人尊敬的銀行收購者-自2011年以來11次成功的收購財務業績保持穩健-強勁的資本充足率和核心收益我們的文化使我們脱穎而出，推動所有利益相關者的基本面股東價值是我們的主要關注點-為我們的所有者建立長期價值多元化董事會為戰略提供建議，監督風險和

附錄材料

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.|保留非美國GAAP財務指標的所有權利注：所有美元以千美元為單位1.平均有形普通股權益的年化回報是非美國GAAP財務指標，基於美國GAAP的金額。我們通過剔除CDI攤銷費用，並從該期間的平均股東權益中剔除平均CDI和平均商譽來計算這一數字。我們相信，這一非美國公認會計準則的財務衡量標準提供了對投資者很重要的信息，有助於瞭解我們的業績。這項非美國GAAP財務衡量標準是補充的，不能替代基於美國GAAP衡量標準的分析。由於公司可能使用不同的計算方法來衡量這一指標，因此本報告可能無法與其他公司報告的其他類似名稱的指標相比較。美國公認會計原則衡量平均股本回報率與非美國公認會計原則衡量平均有形普通股股本回報率的對賬如下。2021年12月31日9/30 2021年12月31日淨收益(虧損)67,136美元90,088美元84,831美元加上：無形資產攤銷費用4,505 3,912 3,880減去：無形資產攤銷費用税調整1,288 1,119 1,107平均有形普通股權益淨收入70,353美元92，881美元87,604美元加：與合併有關的費用5,071--減去：與合併有關的費用税調整1,450--不包括與合併有關的費用的平均有形普通股權益的淨收入73,974美元92,881美元87,604美元平均股東權益2,710美元，509元2,844,800元2,851,000元：平均無形資產88,216 75,795 71, 897減去：平均商譽898,436 901,312 901,312有形普通股平均股本1723,857$1,867,693$1,877,791$平均股本回報率(1)9.91%12.67%11.90%平均有形普通股股本回報率(1)16.32%19.89%18.66%不包括合併相關費用的平均有形普通股股本回報率(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%