Hanmi Financial Corporation (HAFC) News

Hanmi Financial to Participate in the 2026 KBW Summer Bank Conference

Mon, 27 Jul 2026 16:05:00 -0400

LOS ANGELES, July 27, 2026 (GLOBE NEWSWIRE) -- Hanmi Financial Corporation (NASDAQ: HAFC, or “Hanmi”), the parent company of Hanmi Bank (the “Bank”), today announced its participation in the 2026 KBW Summer Bank Conference on Tuesday, July 28 and Wednesday, July 29, 2026, in New York City.

Bonnie Lee, President and Chief Executive Officer, and Ron Santarosa, Chief Financial Officer, will host one-on-one and small group meetings during the conference.

A copy of the presentation being used for meetings with institutional investors will be available in the Investor Relations section of the Company’s website at www.hanmi.com.

About Hanmi Financial Corporation
Headquartered in Los Angeles, California, Hanmi Financial Corporation owns Hanmi Bank, which serves multi-ethnic communities through its network of 32 full-service branches, five loan production offices and three loan centers in California, Texas, Illinois, Virginia, New Jersey, New York, Colorado, Washington and Georgia. Hanmi Bank specializes in real estate, commercial, SBA and trade finance lending to small and middle market businesses. Additional information is available at www.hanmi.com.

Investor Contacts:
Romolo (Ron) Santarosa
Senior Executive Vice President & Chief Financial Officer
213-427-5636

Lisa Fortuna
Investor Relations
Financial Profiles, Inc.
lfortuna@finprofiles.com
310-622-8251

Source: Hanmi Bank

Hanmi Financial Declares Cash Dividend of $0.28 per share

Thu, 23 Jul 2026 08:00:00 -0400

LOS ANGELES, July 23, 2026 (GLOBE NEWSWIRE) -- Hanmi Financial Corporation (NASDAQ: HAFC) (“Hanmi” or the “Company”), the parent company of Hanmi Bank (the “Bank”), today announced that its Board of Directors declared a cash dividend on its common stock for the 2026 third quarter of $0.28 per share. The dividend will be paid on August 19, 2026, to stockholders of record as of the close of business on August 3, 2026.

Forward-Looking Statements
This press release contains forward-looking statements, which are included in accordance with the “safe harbor” provisions of the Private Securities Litigation Reform Act of 1995. All statements other than statements of historical fact are “forward–looking statements” for purposes of federal and state securities laws, including, but not limited to, statements about our anticipated future operating and financial performance, financial position and liquidity, business strategies, regulatory and competitive outlook, investment and expenditure plans, capital and financing needs and availability, plans and objectives of management for future operations, developments regarding our capital and strategic plans, and other similar forecasts and statements of expectation and statements of assumption underlying any of the foregoing. In some cases, you can identify forward-looking statements by terminology such as “may,” “will,” “should,” “could,” “expects,” “plans,” “intends,” “anticipates,” “believes,” “estimates,” “predicts,” “potential,” or “continue,” or the negative of such terms and other comparable terminology. Although we believe that our forward-looking statements to be reasonable, we cannot guarantee future results, levels of activity, performance or achievements.

Forward-looking statements involve known and unknown risks, uncertainties and other factors that may cause our actual results, levels of activity, performance or achievements to differ from those expressed or implied by the forward-looking statements. These factors include the following:

a failure to maintain adequate levels of capital and liquidity to support our operations;
general economic and business conditions internationally, nationally and in those areas in which we operate, including any potential recessionary conditions;
volatility and deterioration in the credit and equity markets;
changes in investor sentiment or consumer spending, borrowing and savings habits;
availability of capital from private and government sources;
demographic changes;
competition for loans and deposits and failure to attract or retain loans and deposits;
inflation and fluctuations in interest rates that reduce our margins and yields, the fair value of financial instruments, the level of loan originations or prepayments on loans we have made and make, the level of loan sales and the cost we pay to retain and attract deposits and secure other types of funding;
our ability to enter new markets successfully and capitalize on growth opportunities;
the current or anticipated impact of military conflict, terrorism or other geopolitical events;
the effect of potential future supervisory action against us or Hanmi Bank and our ability to address any issues raised in our regulatory exams;
risks of natural disasters;
legal proceedings and litigation brought against us;
risks associated with cybersecurity threats, data breaches, ransomware attacks, or other failures in our operational or security systems and infrastructure, including the risks arising from our dependence on third-party service providers and vendors;
failure to maintain current technologies;
risks associated with Small Business Administration loans;
failure to attract, develop, or retain key employees;
our ability to access cost-effective funding;
the imposition of tariffs or other domestic or international governmental policies, trade restrictions, and any retaliatory measures impacting our borrowers and the broader economy;
the impact of a potential federal government shutdown, which may impact on our ability to effect sales of Small Business Administration loans or debt ceiling impasses or fiscal uncertainty;
changes in liquidity, including the size and composition of our deposit portfolio and the percentage of uninsured deposits in the portfolio;
fluctuations in real estate values;
changes in accounting policies and practices;
changes in governmental regulation, including, but not limited to, any increase in FDIC insurance premiums and changes in the monetary policies of the U.S. Treasury and the Board of Governors of the Federal Reserve System;
the ability of Hanmi Bank to make distributions to Hanmi Financial Corporation, which is restricted by certain factors, including Hanmi Bank’s retained earnings, net income, prior distributions made, and certain other financial tests;
strategic transactions we may enter into, including the costs associated with the evaluation of any strategic opportunities and the overall effects of any acquisitions or dispositions we may make;
the adequacy of and changes in the economic assumptions and methodology for computing our allowance for credit losses;
our credit quality and the effect of credit quality on our credit losses expense and allowance for credit losses;
changes in the financial performance and/or condition of our borrowers and the ability of our borrowers to perform under the terms of their loans and other terms of credit agreements;
our ability to control expenses;
the inability of third-party service providers to perform their obligations to us; and
the ability of the Company to withstand disruptions that may be caused by any failure of the operational systems of third parties.

In addition, we set forth certain risks in our reports filed with the U.S. Securities and Exchange Commission, including, Item 1A (“Risk Factors”) of our Annual Report on Form 10-K for the year ended December 31, 2025, our Quarterly Reports on Form 10-Q, and Current Reports on Form 8-K that we will file hereafter, which could cause actual results to differ from those projected. We undertake no obligation to update such forward-looking statements except as required by law.

Investor Contacts:
Romolo (Ron) Santarosa
Senior Executive Vice President & Chief Financial Officer
213-427-5636

Lisa Fortuna
Investor Relations
Financial Profiles, Inc.
lfortuna@finprofiles.com
310-622-8251

Source: Hanmi Bank

Hanmi Reports 2026 Second Quarter Results

Tue, 21 Jul 2026 16:05:00 -0400

LOS ANGELES, July 21, 2026 (GLOBE NEWSWIRE) -- Hanmi Financial Corporation (NASDAQ: HAFC, or “Hanmi”), the parent company of Hanmi Bank (the “Bank”), today reported financial results for the second quarter of 2026.

Net income for the second quarter of 2026 was $23.5 million, or $0.79 per diluted share, compared with $22.6 million, or $0.75 per diluted share for the first quarter of 2026. The return on average assets for the second quarter was 1.20% and the return on average equity was 11.09%, compared with a return on average assets of 1.18% and a return on average equity of 10.86% for the first quarter of 2026.

CEO Commentary
“Hanmi delivered another quarter of strong earnings growth, reflecting consistent execution across our business,” said Bonnie Lee, President and Chief Executive Officer. “Our capital position remained healthy while returning 58% of earnings to shareholders in the form of dividends and share repurchases. Return on average equity increased to 11.1%, supported by robust deposit growth, solid loan production, lower funding costs, and prudent expense management. Deposits grew 2.3% sequentially, with noninterest-bearing deposits increasing 5.2%, underscoring the strength of our relationship-based banking model and the value of our franchise.”

“Consistent with our strategy, we maintained a steady pace of loan production while continuing to diversify our loan portfolio. Importantly, credit quality remained excellent, reflecting our prudent underwriting standards and disciplined approach to risk management.”

“Based on our strong first-half performance, robust loan and deposit pipelines, and the momentum we are seeing across the business, we remain optimistic about our outlook and are confident in our ability to deliver continued earnings growth and strong financial performance through the second half of 2026,” concluded Lee.

Second Quarter 2026 Highlights:

Net income was $23.5 million, or $0.79 per diluted share, up 4.2% from the first quarter, driven by continued growth in net interest income and lower credit loss expense.
Return on average assets and return on average equity during the second quarter were 1.20% and 11.09%, respectively.
Deposits increased 2.3% to $7.0 billion from the prior quarter and noninterest-bearing demand deposits increased to 31% of total deposits, from 30% for the prior quarter.
Net interest income increased 1.0% from the prior quarter, driven by the growth in commercial real estate and commercial and industrial lending. The increase was further supported by an improved funding mix, including lower-cost interest-bearing deposits and reduced borrowings.
Net interest margin decreased two basis points to 3.36%, due primarily to normalization of FHLB dividend income, which elevated interest income in the prior quarter.
Asset quality remained strong as nonperforming assets to total assets was 0.12%, an improvement of four basis points from the prior quarter, and nonperforming loans to total loans was 0.15%, also an improvement of four basis points from the prior quarter.
Hanmi returned 58% of second-quarter net earnings to shareholders in the form of $8.3 million in dividends and $5.2 million in share repurchases; capital ratios remained healthy with tangible common equity to tangible assets at 10.03%.⁽¹⁾

⁽¹⁾ Refer to “Non-GAAP Financial Measures” for further details.

For more information about Hanmi, please see the Q2 2026 Investor Update (and Supplemental Financial Information), which is available on the Bank’s website at www.hanmi.com and via a current report on Form 8-K on the website of the Securities and Exchange Commission at www.sec.gov. Also, please refer to “Non-GAAP Financial Measures” herein for further details of the presentation of certain non-GAAP financial measures.

Quarterly Highlights
(Dollars in thousands, except per share data)

	As of or for the Three Months Ended															Amount Change
	Jun 30,			Mar 31,			Dec 31,			Sep 30,			Jun 30,			Q2-26			Q2-26
	2026			2026			2025			2025			2025			vs. Q1-26			vs. Q2-25

Net income	$	23,505		$	22,557		$	21,239		$	22,061		$	15,117		$	948		$	8,388
Net income per diluted common share	$	0.79		$	0.75		$	0.70		$	0.73		$	0.50		$	0.04		$	0.29

Assets	$	8,001,473		$	7,839,227		$	7,869,185		$	7,856,731		$	7,862,363		$	162,246		$	139,110
Loans	$	6,535,312		$	6,545,466		$	6,563,367		$	6,528,259		$	6,305,957		$	(10,154	)	$	229,355
Deposits	$	6,955,342		$	6,800,622		$	6,677,650		$	6,766,639		$	6,729,122		$	154,720		$	226,220

Return on average assets		1.20	%		1.18	%		1.07	%		1.12	%		0.79	%		0.02			0.41
Return on average stockholders’ equity		11.09	%		10.86	%		10.14	%		10.69	%		7.48	%		0.23			3.61

Net interest margin		3.36	%		3.38	%		3.28	%		3.22	%		3.07	%		-0.02			0.29
Efficiency ratio⁽¹⁾		54.07	%		53.48	%		54.95	%		52.65	%		55.74	%		0.59			-1.67

Tangible common equity to tangible assets⁽²⁾		10.03	%		10.11	%		9.99	%		9.80	%		9.58	%		-0.08			0.45
Tangible common equity per common share⁽²⁾	$	27.04		$	26.56		$	26.27		$	25.64		$	24.91			0.48			2.13


^{(1 )}Noninterest expense divided by net interest income plus noninterest income.
⁽²⁾Refer to “Non-GAAP Financial Measures” for further details.

Results of Operations
Net interest income increased $0.7 million, or 1.0%, to $63.9 million for the second quarter of 2026, from $63.2 million for the first quarter. This increase was principally due to higher interest income on loans, which increased by $0.9 million from the first quarter, as well as a $0.8 million increase in interest income from securities and interest-bearing deposits in other institutions. Interest expense on deposits, however, increased by $1.0 million from the first quarter.

Net interest margin (taxable equivalent) declined by two basis points to 3.36%, from 3.38% for the first quarter of 2026. This decline was driven by lower contributions from loans and FHLB stock, with unfavorable impacts of five basis points and three basis points, respectively, compared to the first quarter. Partially offsetting the decline were higher contributions from borrowings and interest-bearing deposits, with favorable impacts of three basis points each.

While the average yield on loans for the second quarter remained unchanged at 5.90%, the average balance of loans for the second quarter was $6.44 billion, up 0.1% from the previous quarter. The cost of interest-bearing deposits for the second quarter was 3.17%, down three basis points from the first quarter, and the average balance of interest-bearing deposits was $4.78 billion, up 2.7% from the previous quarter. The ratio of average loans to average deposits for the second quarter was 95.5%, compared with 97.5% for the previous quarter.

	For the Three Months Ended (in thousands)										Percentage Change
	Jun 30,		Mar 31,		Dec 31,		Sep 30,		Jun 30,		Q2-26			Q2-26
Net Interest Income	2026		2026		2025		2025		2025		vs. Q1-26			vs. Q2-25

Interest and fees on loans⁽¹⁾	$	94,808	$	93,866	$	96,592	$	95,691	$	92,589		1.0	%		2.4	%
Interest on securities		6,337		5,959		6,323		6,592		6,261		6.3	%		1.2	%
Dividends on FHLB stock		219		831		361		357		354		-73.6	%		-38.1	%
Interest on deposits in other banks		1,958		1,496		1,837		2,586		2,129		30.9	%		-8.0	%
Total interest and dividend income	$	103,322	$	102,152	$	105,113	$	105,226	$	101,333		1.1	%		2.0	%

Interest on deposits		37,774		36,738		39,978		42,244		41,924		2.8	%		-9.9	%
Interest on borrowings		154		676		695		324		684		-77.2	%		-77.5	%
Interest on subordinated debentures		1,537		1,535		1,561		1,579		1,586		0.1	%		-3.1	%
Total interest expense		39,465		38,949		42,234		44,147		44,194		1.3	%		-10.7	%
Net interest income	$	63,857	$	63,203	$	62,879	$	61,079	$	57,139		1.0	%		11.8	%

⁽¹⁾Includes loans held for sale.

	For the Three Months Ended (in thousands)										Percentage Change
Average Earning Assets and Interest-bearing	Jun 30,		Mar 31,		Dec 31,		Sep 30,		Jun 30,		Q2-26			Q2-26
Liabilities	2026		2026		2025		2025		2025		vs. Q1-26			vs. Q2-25
Loans⁽¹⁾	$	6,441,853	$	6,434,316	$	6,456,239	$	6,304,435	$	6,257,741		0.1	%		2.9	%
Securities		950,786		921,065		955,811		985,888		993,975		3.2	%		-4.3	%
FHLB stock		16,385		16,385		16,385		16,385		16,385		0.0	%		0.0	%
Interest-bearing deposits in other banks		221,361		171,953		191,731		239,993		200,266		28.7	%		10.5	%
Average interest-earning assets	$	7,630,385	$	7,543,719	$	7,620,166	$	7,546,701	$	7,468,367		1.1	%		2.2	%

Demand: interest-bearing	$	81,682	$	74,963	$	77,297	$	86,839	$	81,308		9.0	%		0.5	%
Money market and savings		2,056,148		2,063,186		2,130,616		2,122,967		2,109,221		-0.3	%		-2.5	%
Time deposits		2,646,480		2,522,505		2,506,582		2,494,285		2,434,659		4.9	%		8.7	%
Average interest-bearing deposits		4,784,310		4,660,654		4,714,495		4,704,091		4,625,188		2.7	%		3.4	%
Borrowings		15,330		69,388		64,565		27,772		60,134		-77.9	%		-74.5	%
Subordinated debentures		130,695		130,541		130,385		130,766		130,880		0.1	%		-0.1	%
Average interest-bearing liabilities	$	4,930,335	$	4,860,583	$	4,909,445	$	4,862,629	$	4,816,202		1.4	%		2.4	%

Average Noninterest Bearing Deposits
Demand deposits - noninterest bearing	$	1,963,242	$	1,937,628	$	1,969,908	$	1,960,331	$	1,934,985		1.3	%		1.5	%

⁽¹⁾Includes loans held for sale.

	For the Three Months Ended															Yield/Rate Change
	Jun 30,			Mar 31,			Dec 31,			Sep 30,			Jun 30,			Q2-26		Q2-26
Average Yields and Rates	2026			2026			2025			2025			2025			vs. Q1-26		vs. Q2-25
Loans⁽¹⁾		5.90	%		5.90	%		5.94	%		6.03	%		5.93	%		0.00		-0.03
Securities⁽²⁾		2.69	%		2.62	%		2.67	%		2.70	%		2.55	%		0.07		0.14
FHLB stock		5.36	%		20.56	%		8.75	%		8.65	%		8.65	%		-15.20		-3.29
Interest-bearing deposits in other banks		3.55	%		3.53	%		3.80	%		4.27	%		4.26	%		0.02		-0.71
Interest-earning assets		5.43	%		5.48	%		5.48	%		5.54	%		5.44	%		-0.05		-0.01

Interest-bearing deposits		3.17	%		3.20	%		3.36	%		3.56	%		3.64	%		-0.03		-0.47
Borrowings		4.06	%		3.94	%		4.27	%		4.63	%		4.58	%		0.12		-0.52
Subordinated debentures		4.70	%		4.70	%		4.79	%		4.83	%		4.84	%		0.00		-0.14
Interest-bearing liabilities		3.21	%		3.25	%		3.41	%		3.60	%		3.68	%		-0.04		-0.47

Net interest margin (taxable equivalent basis)		3.36	%		3.38	%		3.28	%		3.22	%		3.07	%		-0.02		0.29

Cost of deposits		2.25	%		2.26	%		2.37	%		2.51	%		2.56	%		-0.01		-0.31

⁽¹⁾Includes loans held for sale.
⁽²⁾Amounts calculated on a fully taxable equivalent basis using the federal tax rate in effect for the periods presented.

Credit loss expense for the second quarter of 2026 was $1.2 million, compared with $2.9 million for the first quarter. The $1.7 million decline was due to lower net charge-offs during the second quarter. Credit loss expense during the second quarter included a $1.3 million provision for loan losses and a negative provision of $0.1 million for off-balance sheet items. First-quarter credit loss expense included a $3.2 million provision for loan losses and a negative provision of $0.3 million for off-balance sheet items.

Noninterest income was $8.3 million, down 2.2% from $8.5 million for the first quarter of 2026, primarily due to a $0.8 million decrease in gain on sales of SBA loans. The gain was $1.3 million for the second quarter of 2026, compared with $2.1 million for the first quarter of 2026. The decrease in gain on sales of SBA loans was partially offset by a $0.4 million increase in trade finance and other service charges and fees and modest increases in the other noninterest income categories.

The volume of SBA loans sold for the second quarter of 2026 decreased to $20.9 million from $32.5 million for the first quarter, while trade premiums increased to 7.92% from 7.88% for the first quarter. Residential mortgage loans sold for the second quarter were $30.6 million with a premium of 2.00%, compared with $31.7 million and 2.50% for the first quarter. The gain on sales of residential mortgage loans was $0.4 million for the second quarter, compared with $0.5 million for the first quarter.

	For the Three Months Ended (in thousands)										Percentage Change
	Jun 30,		Mar 31,		Dec 31,		Sep 30,		Jun 30,		Q2-26			Q2-26
Noninterest Income	2026		2026		2025		2025		2025		vs. Q1-26			vs. Q2-25
Service charges on deposit accounts	$	2,102	$	2,127	$	2,196	$	2,160	$	2,169		-1.2	%		-3.1	%
Trade finance and other service charges and fees		1,902		1,501		1,735		1,551		1,461		26.7	%		30.2	%
Servicing income		955		870		924		924		754		9.8	%		26.7	%
Bank-owned life insurance income		799		610		315		1,259		708		31.0	%		12.9	%
All other operating income		915		844		758		973		819		8.4	%		11.7	%
Service charges, fees & other		6,673		5,952		5,928		6,867		5,911		12.1	%		12.9	%

Gain on sale of SBA loans		1,318		2,102		1,790		1,857		2,160		-37.3	%		-39.0	%
Gain on sale of residential mortgage loans		357		485		581		1,156		—		-26.4	%		—
Total noninterest income	$	8,348	$	8,539	$	8,299	$	9,880	$	8,071		-2.2	%		3.4	%

Noninterest expense was $39.0 million for the second quarter of 2026, up 1.7% from $38.4 million for the first quarter, primarily due to a $0.8 million increase in salaries and employee benefits and a $0.4 million increase in other real estate owned (OREO) expense. Salaries and employee benefits increased because of the additional business day in the second quarter and annual merit increases, while the increase in OREO expense reflected the absence of the first-quarter gain on sale of OREO. These increases were partially offset by a $0.8 million decrease in professional fees that were attendant to the first-quarter resolution of several administrative items. The efficiency ratio increased to 54.07% for the second quarter, compared with 53.48% for the previous quarter.

	For the Three Months Ended (in thousands)												Percentage Change
	Jun 30,		Mar 31,			Dec 31,		Sep 30,		Jun 30,			Q2-26			Q2-26
	2026		2026			2025		2025		2025			vs. Q1-26			vs. Q2-25
Noninterest Expense
Salaries and employee benefits	$	22,784	$	21,956		$	22,472	$	22,163	$	22,069			3.8	%		3.2	%
Occupancy and equipment		4,383		4,414			4,339		4,507		4,344			-0.7	%		0.9	%
Data processing		4,555		4,386			4,098		3,860		3,727			3.9	%		22.2	%
Professional fees		1,997		2,780			2,343		1,978		1,725			-28.2	%		15.8	%
Supplies and communication		491		556			573		423		515			-11.7	%		-4.7	%
Advertising and promotion		679		688			1,010		712		798			-1.3	%		-14.9	%
All other operating expenses		4,103		3,849			3,795		3,665		3,567			6.6	%		15.0	%
Subtotal		38,992		38,629			38,630		37,308		36,745			0.9	%		6.1	%

Other real estate owned expense (income)		6		(345	)		474		17		(461	)		101.7	%		101.3	%
Repossessed personal property expense (income)		41		84			5		32		63			-51.2	%		-34.9	%
Total noninterest expense	$	39,039	$	38,368		$	39,109	$	37,357	$	36,347			1.7	%		7.4	%

The effective tax rate was 26.5% for the second quarter of 2026, compared with 26.0% for the first quarter of 2026.

Financial Position
Total assets at June 30, 2026 increased 2.1%, or $162.2 million, to $8.00 billion from $7.84 billion at March 31, 2026. This increase was due primarily to a $77.2 million increase in cash and due from banks, a $60.9 million increase in securities available for sale, and a $21.3 million increase in prepaid expenses and other assets. The increase in prepaid expenses and other assets was primarily due to estimated income tax payments made during the second quarter.

Total loans, excluding the allowance for credit losses and loans held for sale, were $6.54 billion at June 30, 2026, down 0.2% from $6.55 billion at March 31, 2026.

Loans held for sale were $17.0 million at June 30, 2026, up from $4.9 million at March 31, 2026. At the end of the second quarter, loans held for sale consisted of $12.0 million representing the guaranteed portion of SBA 7(a) loans and $5.0 million of residential mortgage loans.

	As of (in thousands)										Percentage Change
	Jun 30,		Mar 31,		Dec 31,		Sep 30,		Jun 30,		Q2-26			Q2-26
	2026		2026		2025		2025		2025		vs. Q1-26			vs. Q2-25
Loan Portfolio
Commercial real estate loans	$	4,022,320	$	3,998,144	$	4,030,105	$	4,015,291	$	3,948,922		0.6	%		1.9	%
Residential/consumer loans		978,881		1,002,223		1,049,872		1,043,577		993,869		-2.3	%		-1.5	%
Commercial and industrial loans		1,171,272		1,152,544		1,074,907		1,052,522		917,995		1.6	%		27.6	%
Equipment finance		362,839		392,555		408,483		416,869		445,171		-7.6	%		-18.5	%
Total loans held for investment		6,535,312		6,545,466		6,563,367		6,528,259		6,305,957		-0.2	%		3.6	%
Loans held for sale		16,969		4,932		7,403		6,512		49,611		244.1	%		-65.8	%
Total loans	$	6,552,281	$	6,550,398	$	6,570,770	$	6,534,771	$	6,355,568		0.0	%		3.1	%

	As of
	Jun 30,			Mar 31,			Dec 31,			Sep 30,			Jun 30,
	2026			2026			2025			2025			2025
Composition of Loan Portfolio
Commercial real estate loans		61.4	%		61.0	%		61.3	%		61.4	%		62.2	%
Residential/consumer loans		14.9	%		15.3	%		16.0	%		16.0	%		15.6	%
Commercial and industrial loans		17.9	%		17.6	%		16.4	%		16.1	%		14.4	%
Equipment finance		5.5	%		6.0	%		6.2	%		6.4	%		7.0	%
Total loans held for investment		99.7	%		99.9	%		99.9	%		99.9	%		99.2	%
Loans held for sale		0.3	%		0.1	%		0.1	%		0.1	%		0.8	%
Total loans		100.0	%		100.0	%		100.0	%		100.0	%		100.0	%

New loan production was $371.9 million for the second quarter of 2026 at an average rate of 6.59%, while payoffs were $156.4 million at an average rate of 6.39%.

	For the Three months Ended (in thousands)
	Jun 30,			Mar 31,			Dec 31,			Sep 30,			Jun 30,
	2026			2026			2025			2025			2025
New Loan Production
Commercial real estate loans	$	170,080		$	131,426		$	125,866		$	176,826		$	111,993
Residential/consumer loans		50,010			29,074			70,268			103,247			83,761
Commercial and industrial loans		89,227			134,717			82,079			211,454			53,444
SBA loans		37,109			40,652			44,065			44,931			46,829
Equipment finance		25,450			42,051			52,521			34,315			33,567
Subtotal		371,876			377,920			374,799			570,773			329,594


Payoffs		(156,407	)		(198,936	)		(123,086	)		(142,963	)		(119,139	)
Amortization		(121,208	)		(133,396	)		(133,992	)		(60,939	)		(151,357	)
Loan sales		(54,761	)		(64,690	)		(63,642	)		(100,452	)		(35,388	)
Net line utilization		(47,762	)		4,373			(16,072	)		(39,497	)		12,435
Charge-offs & OREO		(1,892	)		(3,172	)		(2,899	)		(4,620	)		(12,377	)

Loans held for investment-beginning balance		6,545,466			6,563,367			6,528,259			6,305,957			6,282,189
Loans held for investment-ending balance	$	6,535,312		$	6,545,466		$	6,563,367		$	6,528,259		$	6,305,957

Deposits were $6.96 billion at the end of the second quarter of 2026, up $154.7 million, or 2.3%, from $6.80 billion at the end of the prior quarter. Driving the increase was a $104.7 million increase in noninterest-bearing deposits and a $54.4 million increase in time deposits over $250,000. Noninterest-bearing demand deposits represented 30.7% of total deposits at June 30, 2026 and the loan-to-deposit ratio was 94.0%.

	As of (in thousands)										Percentage Change
	Jun 30,		Mar 31,		Dec 31,		Sep 30,		Jun 30,		Q2-26			Q2-26
	2026		2026		2025		2025		2025		vs. Q1-26			vs. Q2-25
Deposit Portfolio
Demand: noninterest-bearing	$	2,135,418	$	2,030,743	$	2,015,212	$	2,087,132	$	2,105,369		5.2	%		1.4	%
Demand: interest-bearing		80,783		78,341		74,799		86,834		90,172		3.1	%		-10.4	%
Money market and savings		2,084,572		2,116,073		2,084,218		2,094,028		2,092,847		-1.5	%		-0.4	%
Time deposits $250,000 and less		1,314,544		1,318,250		1,277,382		1,235,755		1,198,472		-0.3	%		9.7	%
Core deposits		5,615,317		5,543,407		5,451,611		5,503,749		5,486,860		1.3	%		2.3	%
Time deposits over $250,000		1,073,083		1,018,712		987,536		1,024,378		1,006,750		5.3	%		6.6	%
State of California time deposits		180,000		150,000		150,000		150,000		150,000		20.0	%		20.0	%
Brokered time deposits		86,942		88,503		88,503		88,512		85,512		-1.8	%		1.7	%
Total deposits	$	6,955,342	$	6,800,622	$	6,677,650	$	6,766,639	$	6,729,122		2.3	%		3.4	%

	As of
	Jun 30,			Mar 31,			Dec 31,			Sep 30,			Jun 30,
	2026			2026			2025			2025			2025
Composition of Deposit Portfolio
Demand: noninterest-bearing		30.7	%		29.9	%		30.2	%		30.8	%		31.3	%
Demand: interest-bearing		1.2	%		1.1	%		1.1	%		1.3	%		1.3	%
Money market and savings		29.9	%		31.1	%		31.2	%		31.0	%		31.1	%
Time deposits $250,000 and less		18.9	%		19.4	%		19.1	%		18.3	%		17.8	%
Core deposits		80.7	%		81.5	%		81.6	%		81.4	%		81.5	%
Time deposits over $250,000		15.4	%		15.0	%		14.9	%		15.1	%		15.0	%
State of California time deposits		2.6	%		2.2	%		2.2	%		2.2	%		2.2	%
Brokered time deposits		1.3	%		1.3	%		1.3	%		1.3	%		1.3	%
Total deposits		100.0	%		100.0	%		100.0	%		100.0	%		100.0	%

Stockholders’ equity at June 30, 2026 was $812.7 million, up $9.9 million, or 1.2%, from $802.8 million at March 31, 2026. Offsetting the increase to stockholders’ equity from second quarter net income of $23.5 million were dividends of $8.3 million, share repurchases of $5.2 million, which included $0.4 million in purchases of vested employee stock in respect of Hanmi's equity compensation programs, and a $1.0 million increase in unrealized after-tax losses on securities available for sale. During the second quarter, under its share repurchase program, Hanmi repurchased 160,000 shares of common stock at an average price of $30.24. As of June 30, 2026, there were 1.99 million shares available under the share repurchase program. In addition to the share repurchase program, Hanmi purchased 15,134 shares of common stock surrendered by employees to satisfy their tax liabilities upon the second-quarter vesting of their equity compensation awards.

Tangible common equity per share at the end of the second quarter of 2026 was $27.04, up 1.8% from $26.56 at the end of the first quarter. Please refer to the Non-GAAP Financial Measures section below for more information.

Hanmi and the Bank exceeded minimum regulatory capital requirements, and the Bank continued to exceed the minimum for the “well capitalized” category.

	As of															Ratio Change
	Jun 30,			Mar 31,			Dec 31,			Sep 30,			Jun 30,			Q2-26		Q2-26
	2026			2026			2025			2025			2025			vs. Q1-26		vs. Q2-25
Regulatory Capital ratios⁽¹⁾
Hanmi Financial
Total risk-based capital		15.29	%		15.22	%		15.06	%		15.05	%		15.20	%		0.07		0.09
Tier 1 risk-based capital		12.61	%		12.52	%		12.37	%		12.33	%		12.46	%		0.09		0.15
Common equity tier 1 capital		12.28	%		12.20	%		12.05	%		12.00	%		12.12	%		0.08		0.16
Tier 1 leverage capital ratio		10.94	%		10.93	%		10.70	%		10.64	%		10.63	%		0.01		0.31
Hanmi Bank
Total risk-based capital		14.48	%		14.45	%		14.25	%		14.28	%		14.39	%		0.03		0.09
Tier 1 risk-based capital		13.40	%		13.37	%		13.17	%		13.20	%		13.32	%		0.03		0.08
Common equity tier 1 capital		13.40	%		13.37	%		13.17	%		13.20	%		13.32	%		0.03		0.08
Tier 1 leverage capital ratio		11.71	%		11.74	%		11.47	%		11.46	%		11.43	%		-0.03		0.28

⁽¹⁾Preliminary ratios for June 30, 2026

Asset Quality

	As of or for the Three Months Ended (in thousands)															Amount Change
	Jun 30,			Mar 31,			Dec 31,			Sep 30,			Jun 30,			Q2-26			Q2-26
	2026			2026			2025			2025			2025			vs. Q1-26			vs. Q2-25
Nonperforming Loans and Assets

Delinquent loans:
Loans, 30 to 89 days past due and still accruing	$	32,773		$	13,274		$	17,610		$	11,560		$	10,953		$	19,499		$	21,820

Nonperforming assets:
Nonaccrual loans	$	9,931		$	12,420		$	18,112		$	19,369		$	25,967		$	(2,489	)	$	(16,036	)
Loans 90 days or more past due and still accruing		—			—			—			—			—			—			—
Nonperforming loans		9,931			12,420			18,112			19,369			25,967			(2,489	)		(16,036	)
Other real estate owned, net		—			—			1,980			1,995			—			—			—
Nonperforming assets⁽¹⁾	$	9,931		$	12,420		$	20,092		$	21,364		$	25,967		$	(2,489	)	$	(16,036	)

Delinquent loans to total loans		0.50	%		0.20	%		0.27	%		0.18	%		0.17	%		0.30			0.33
Nonperforming loans to total loans		0.15	%		0.19	%		0.28	%		0.30	%		0.41	%		-0.04			-0.26
Nonperforming assets to total assets		0.12	%		0.16	%		0.26	%		0.27	%		0.33	%		-0.04			-0.21

⁽¹⁾Excludes repossessed personal property of $0.3 million, $0.3 million, $0.6 million, $0.4 million, and $0.6 million as of Q2-26, Q1-26, Q4-25, Q3-25, and Q2-25, respectively.

Loans 30 to 89 days past due and still accruing were $32.8 million, or 0.50% of loans, at the end of the second quarter of 2026, compared with $13.3 million, or 0.20% of loans, at the end of the first quarter of 2026. The $19.5 million increase was primarily due to a $21.2 million commercial real estate loan, identified as special mention in the first quarter, that became delinquent during the second quarter.

Nonaccrual loans were $9.9 million, or 0.15% of loans, at June 30, 2026, compared with $12.4 million, or 0.19% of loans, at March 31, 2026. The decrease for the second quarter reflects the sale of a $3.2 million commercial real estate loan on nonaccrual status and $1.6 million of equipment finance agreement charge-offs, partially offset by $2.9 million of new nonaccrual loans and equipment finance agreements.

Nonperforming assets were $9.9 million, or 0.12% of total assets, at June 30, 2026, compared with $12.4 million, or 0.16% of total assets, at March 31, 2026. The decline reflects the changes described in the above paragraph.

	As of (in thousands)															Amount Change
	Jun 30,			Mar 31,			Dec 31,			Sep 30,			Jun 30,			Q2-26			Q2-26
	2026			2026			2025			2025			2025			vs. Q1-26			vs. Q2-25
Criticized Loans
Special mention	$	68,198		$	93,682		$	71,113		$	16,775		$	12,700		$	(25,484	)	$	55,498
Classified		45,748			22,736			25,891			28,590			33,857			23,012			11,891
Total criticized loans⁽¹⁾	$	113,946		$	116,418		$	97,004		$	45,365		$	46,557		$	(2,472	)	$	67,389

Criticized loans to total loans		1.74	%		1.78	%		1.48	%		0.69	%		0.74	%		-0.04			1.00

⁽¹⁾Includes nonaccrual loans of $9.9 million, $12.4 million, $18.1 million, $19.4 million, and $24.1 million as of Q2-26, Q1-26, Q4-25, Q3-25, and Q2-25, respectively.

Criticized loans were $113.9 million for the second quarter of 2026, compared with $116.4 million for the first quarter of 2026. This $2.5 million decrease in criticized loans included a $25.5 million decrease for special mention loans, partially offset by a $23.0 million increase for classified loans. Both the special mention decrease and classified increase were primarily due to the downgrade of three special mention loans totaling $23.6 million to the classified category, which included the previously mentioned $21.2 million commercial real estate loan.

There were no transfers of criticized loans into other-real-estate-owned during the second quarter of 2026. As a percent of total loans, criticized loans were 1.74% as of June 30, 2026, compared with 1.78% as of March 31, 2026.

	As of or for the Three Months Ended (in thousands)
	Jun 30,			Mar 31,			Dec 31,			Sep 30,			Jun 30,
	2026			2026			2025			2025			2025
Allowance for credit losses related to loans:
Balance at beginning of period	$	70,468		$	69,903		$	69,781		$	66,756		$	70,597
Credit loss expense (recovery) on loans		1,271			3,163			1,701			2,543			7,523
Net loan (charge-offs) recoveries		(1,264	)		(2,598	)		(1,579	)		482			(11,364	)
Balance at end of period	$	70,475		$	70,468		$	69,903		$	69,781		$	66,756

Net loan charge-offs (recoveries) to average loans⁽¹⁾		0.08	%		0.16	%		0.10	%		-0.03	%		0.73	%
Allowance for credit losses to loans		1.08	%		1.08	%		1.07	%		1.07	%		1.06	%

Allowance for credit losses related to off-balance sheet items:
Balance at beginning of period	$	2,078		$	2,349		$	2,107		$	2,506		$	2,399
Credit loss expense (recovery) on off-balance sheet items		(85	)		(271	)		242			(399	)		107
Balance at end of period	$	1,993		$	2,078		$	2,349		$	2,107		$	2,506

Unused commitments to extend credit	$	946,544		$	891,594		$	930,122		$	952,475		$	915,847

⁽¹⁾Annualized

The allowance for credit losses was $70.5 million, or 1.08% of loans, at both June 30 and March 31, 2026. Collectively evaluated allowances increased $0.6 million, while specific allowances decreased $0.6 million.

Gross charge-offs for the second quarter of 2026 were $1.9 million, compared with $3.2 million for the preceding quarter. Charge-offs during the second quarter included $1.6 million of equipment financing agreements. Recoveries of previously charged off loans were $0.6 million, substantially all of which were equipment financing agreements. As a result, there were $1.3 million of net charge-offs for the second quarter of 2026, or 0.08% of loans (annualized), compared with $2.6 million, or 0.16% of loans, for the first quarter of 2026.

Corporate Developments
On April 23, 2026, Hanmi’s Board of Directors declared a cash dividend on its common stock of $0.28 per share for the 2026 second quarter. Hanmi paid the dividend on May 20, 2026, to stockholders of record as of the close of business on May 4, 2026.

Earnings Conference Call
Hanmi Bank will host its second quarter 2026 earnings conference call today, July 21, 2026, at 2:00 p.m. PST (5:00 p.m. EST) to discuss these results. This call will also be webcast. To access the call, please dial 1-877-407-9039 before 2:00 p.m. PST, using access code Hanmi Bank. To listen to the call online, either live or archived, please visit Hanmi’s Investor Relations website at https://investors.hanmi.com/ where it will also be available for replay approximately one hour following the call.

About Hanmi Financial Corporation
Headquartered in Los Angeles, California, Hanmi Financial Corporation owns Hanmi Bank, which serves multi-ethnic communities through its network of 32 full-service branches and eight loan production offices in California, Texas, Illinois, Virginia, New Jersey, New York, Colorado, Washington and Georgia. Hanmi Bank specializes in real estate, commercial, SBA and trade finance lending to small and middle market businesses. Additional information is available at www.hanmi.com.

a failure to maintain adequate levels of capital and liquidity to support our operations;
general economic and business conditions internationally, nationally and in those areas in which we operate, including any potential recessionary conditions;
volatility and deterioration in the credit and equity markets;
changes in investor sentiment or consumer spending, borrowing and savings habits;
availability of capital from private and government sources;
demographic changes;
competition for loans and deposits and failure to attract or retain loans and deposits;
inflation and fluctuations in interest rates that reduce our margins and yields, the fair value of financial instruments, the level of loan originations or prepayments on loans we have made and make, the level of loan sales and the cost we pay to retain and attract deposits and secure other types of funding;
our ability to enter new markets successfully and capitalize on growth opportunities;
the current or anticipated impact of military conflict, terrorism or other geopolitical events;
the effect of potential future supervisory action against us or Hanmi Bank and our ability to address any issues raised in our regulatory exams;
risks of natural disasters;
legal proceedings and litigation brought against us;
risks associated with cybersecurity threats, data breaches, ransomware attacks, or other failures in our operational or security systems and infrastructure, including the risks arising from our dependence on third-party service providers and vendors;
failure to maintain current technologies;
risks associated with Small Business Administration loans;
failure to attract, develop, or retain key employees;
our ability to access cost-effective funding;
the imposition of tariffs or other domestic or international governmental policies, trade restrictions, and any retaliatory measures impacting our borrowers and the broader economy;
the impact of a potential federal government shutdown, which may impact on our ability to effect sales of Small Business Administration loans or debt ceiling impasses or fiscal uncertainty;
changes in liquidity, including the size and composition of our deposit portfolio and the percentage of uninsured deposits in the portfolio;
fluctuations in real estate values;
changes in accounting policies and practices;
changes in governmental regulation, including, but not limited to, any increase in FDIC insurance premiums and changes in the monetary policies of the U.S. Treasury and the Board of Governors of the Federal Reserve System;
the ability of Hanmi Bank to make distributions to Hanmi Financial Corporation, which is restricted by certain factors, including Hanmi Bank’s retained earnings, net income, prior distributions made, and certain other financial tests;
strategic transactions we may enter into, including the costs associated with the evaluation of any strategic opportunities and the overall effects of any acquisitions or dispositions we may make;
the adequacy of and changes in the economic assumptions and methodology for computing our allowance for credit losses;
our credit quality and the effect of credit quality on our credit losses expense and allowance for credit losses;
changes in the financial performance and/or condition of our borrowers and the ability of our borrowers to perform under the terms of their loans and other terms of credit agreements;
our ability to control expenses;
the inability of third-party service providers to perform their obligations to us; and
the ability of the Company to withstand disruptions that may be caused by any failure of the operational systems of third parties.

In addition, we set forth certain risks in our reports filed with the U.S. Securities and Exchange Commission, including, Item 1A of our Annual Report on Form 10-K for the year ended December 31, 2025, our Quarterly Reports on Form 10-Q, and Current Reports on Form 8-K that we will file hereafter, which could cause actual results to differ from those projected. We undertake no obligation to update such forward-looking statements except as required by law.

Investor Contacts:
Romolo (Ron) Santarosa
Senior Executive Vice President & Chief Financial Officer
213-427-5636

Lisa Fortuna
Investor Relations
Financial Profiles, Inc.
lfortuna@finprofiles.com
310-622-8251

Hanmi Financial Corporation and Subsidiaries
Consolidated Balance Sheets (Unaudited)
(Dollars in thousands)

	June 30,			March 31,			Percentage			June 30,			Percentage
	2026			2026			Change			2025			Change
Assets
Cash and due from banks	$	331,206		$	254,045			30.4	%	$	380,050			-12.9	%
Securities available for sale, at fair value		896,610			835,725			7.3	%		918,094			-2.3	%
Loans held for sale, at the lower of cost or fair value		16,969			4,932			244.1	%		49,611			-65.8	%
Loans, net of allowance for credit losses		6,464,837			6,474,998			-0.2	%		6,239,201			3.6	%
Accrued interest receivable		24,613			23,320			5.5	%		23,749			3.6	%
Premises and equipment, net		20,251			20,015			1.2	%		20,607			-1.7	%
Customers’ liability on acceptances		116			—			—			214			-45.8	%
Servicing assets		6,419			6,535			-1.8	%		6,420			0.0	%
Goodwill and other intangible assets, net		11,031			11,031			0.0	%		11,031			0.0	%
Federal Home Loan Bank (“FHLB”) stock, at cost		16,385			16,385			0.0	%		16,385			0.0	%
Bank-owned life insurance		56,048			56,534			-0.9	%		56,985			-1.6	%
Prepaid expenses and other assets		156,988			135,707			15.7	%		140,016			12.1	%
Total assets	$	8,001,473		$	7,839,227			2.1	%	$	7,862,363			1.8	%

Liabilities and Stockholders’ Equity
Liabilities:
Deposits:
Noninterest-bearing	$	2,135,418		$	2,030,743			5.2	%	$	2,105,369			1.4	%
Interest-bearing		4,819,924			4,769,879			1.0	%		4,623,753			4.2	%
Total deposits		6,955,342			6,800,622			2.3	%		6,729,122			3.4	%
Accrued interest payable		27,530			30,592			-10.0	%		30,567			-9.9	%
Bank's liability on acceptances		116			—			—			214			-45.8	%
Borrowings		—			—			0.0	%		127,500			-100.0	%
Subordinated debentures		130,773			130,618			0.1	%		130,960			-0.1	%
Accrued expenses and other liabilities		75,032			74,576			0.6	%		81,166			-7.6	%
Total liabilities		7,188,793			7,036,408			2.2	%		7,099,529			1.3	%

Stockholders’ equity:
Common stock		34			34			0.0	%		34			0.0	%
Additional paid-in capital		596,303			595,374			0.2	%		592,825			0.6	%
Accumulated other comprehensive (loss)		(46,552	)		(45,553	)		2.2	%		(54,511	)		-14.6	%
Retained earnings		423,499			408,327			3.7	%		367,251			15.3	%
Less treasury stock		(160,604	)		(155,363	)		3.4	%		(142,765	)		12.5	%
Total stockholders’ equity		812,680			802,819			1.2	%		762,834			6.5	%
Total liabilities and stockholders’ equity	$	8,001,473		$	7,839,227			2.1	%	$	7,862,363			1.8	%

Hanmi Financial Corporation and Subsidiaries
Consolidated Statements of Income (Unaudited)
(Dollars in thousands, except share and per share data)

	Three Months Ended
	June 30,		March 31,		Percentage			June 30,		Percentage
	2026		2026		Change			2025		Change
Interest and dividend income:
Interest and fees on loans	$	94,808	$	93,866		1.0	%	$	92,589		2.4	%
Interest on securities		6,337		5,959		6.3	%		6,261		1.2	%
Dividends on FHLB stock		219		831		-73.6	%		354		-38.1	%
Interest on deposits in other banks		1,958		1,496		30.9	%		2,129		-8.0	%
Total interest and dividend income		103,322		102,152		1.1	%		101,333		2.0	%
Interest expense:
Interest on deposits		37,774		36,738		2.8	%		41,924		-9.9	%
Interest on borrowings		154		676		-77.2	%		684		-77.5	%
Interest on subordinated debentures		1,537		1,535		0.1	%		1,586		-3.1	%
Total interest expense		39,465		38,949		1.3	%		44,194		-10.7	%
Net interest income before credit loss expense		63,857		63,203		1.0	%		57,139		11.8	%
Credit loss expense		1,186		2,892		-59.0	%		7,631		-84.5	%
Net interest income after credit loss expense		62,671		60,311		3.9	%		49,508		26.6	%
Noninterest income:
Service charges on deposit accounts		2,102		2,127		-1.2	%		2,169		-3.1	%
Trade finance and other service charges and fees		1,902		1,501		26.7	%		1,461		30.2	%
Gain on sale of Small Business Administration (“SBA”) loans		1,318		2,102		-37.3	%		2,160		-39.0	%
Gain on sale of residential mortgage loans		357		485		-26.4	%		—		—
Other operating income		2,669		2,324		14.8	%		2,281		17.0	%
Total noninterest income		8,348		8,539		-2.2	%		8,071		3.4	%
Noninterest expense:
Salaries and employee benefits		22,784		21,956		3.8	%		22,069		3.2	%
Occupancy and equipment		4,383		4,414		-0.7	%		4,344		0.9	%
Data processing		4,555		4,386		3.9	%		3,727		22.2	%
Professional fees		1,997		2,780		-28.2	%		1,725		15.8	%
Supplies and communications		491		556		-11.7	%		515		-4.7	%
Advertising and promotion		679		688		-1.3	%		798		-14.9	%
Other operating expenses		4,150		3,588		15.7	%		3,169		31.0	%
Total noninterest expense		39,039		38,368		1.7	%		36,347		7.4	%
Income before tax		31,980		30,482		4.9	%		21,232		50.6	%
Income tax expense		8,475		7,925		6.9	%		6,115		38.6	%
Net income	$	23,505	$	22,557		4.2	%	$	15,117		55.5	%

Basic earnings per share:	$	0.79	$	0.76				$	0.50
Diluted earnings per share:	$	0.79	$	0.75				$	0.50

Weighted-average shares outstanding:
Basic		29,514,712		29,629,130					29,948,836
Diluted		29,689,113		29,808,999					30,054,456
Common shares outstanding		29,650,306		29,806,694					30,176,568

Hanmi Financial Corporation and Subsidiaries
Consolidated Statements of Income (Unaudited)
(Dollars in thousands, except share and per share data)

	Six Months Ended
	June 30,		June 30,		Percentage
	2026		2025		Change
Interest and dividend income:
Interest and fees on loans receivable	$	188,674	$	183,476		2.8	%
Interest on securities		12,296		12,430		-1.1	%
Dividends on FHLB stock		1,050		714		47.1	%
Interest on deposits in other banks		3,454		3,969		-13.0	%
Total interest and dividend income		205,474		200,589		2.4	%
Interest expense:
Interest on deposits		74,512		82,483		-9.7	%
Interest on borrowings		830		2,708		-69.4	%
Interest on subordinated debentures		3,072		3,167		-3.0	%
Total interest expense		78,414		88,358		-11.3	%
Net interest income before credit loss expense		127,060		112,231		13.2	%
Credit loss expense		4,078		10,352		-60.6	%
Net interest income after credit loss expense		122,982		101,879		20.7	%
Noninterest income:
Service charges on deposit accounts		4,229		4,387		-3.6	%
Trade finance and other service charges and fees		3,403		2,858		19.1	%
Gain on sale of Small Business Administration (“SBA”) loans		3,421		4,161		-17.8	%
Gain on sale of residential mortgage loans		842		175		381.1	%
Other operating income		4,992		4,215		18.4	%
Total noninterest income		16,887		15,796		6.9	%
Noninterest expense:
Salaries and employee benefits		44,740		43,041		3.9	%
Occupancy and equipment		8,797		8,794		0.0	%
Data processing		8,941		7,514		19.0	%
Professional fees		4,777		3,194		49.6	%
Supplies and communications		1,047		1,031		1.6	%
Advertising and promotion		1,368		1,382		-1.0	%
Other operating expenses		7,737		6,374		21.4	%
Total noninterest expense		77,407		71,330		8.5	%
Income before tax		62,462		46,345		34.8	%
Income tax expense		16,400		13,556		21.0	%
Net income	$	46,062	$	32,789		40.5	%

Basic earnings per share:	$	1.54	$	1.09
Diluted earnings per share:	$	1.54	$	1.08

Weighted-average shares outstanding:
Basic		29,593,872		29,943,279
Diluted		29,770,045		30,048,704
Common shares outstanding		29,650,306		30,176,568

Hanmi Financial Corporation and Subsidiaries
Average Balance, Average Yield Earned, and Average Rate Paid (Unaudited)
(Dollars in thousands)

	Three Months Ended
	June 30, 2026								March 31, 2026								June 30, 2025
				Interest		Average						Interest		Average						Interest		Average
	Average			Income /		Yield /			Average			Income /		Yield /			Average			Income /		Yield /
	Balance			Expense		Rate			Balance			Expense		Rate			Balance			Expense		Rate
Assets
Interest-earning assets:
Loans:
Commercial real estate⁽¹⁾	$	3,986,661		$	57,244		5.76	%	$	3,964,174		$	55,836		5.71	%	$	3,978,350		$	56,385		5.68	%
Residential mortgage⁽¹⁾		1,001,859			13,511		5.39	%		1,035,929			14,035		5.42	%		990,135			13,254		5.37	%
Commercial and industrial⁽¹⁾		1,065,744			17,467		6.57	%		1,024,117			16,970		6.72	%		818,498			15,206		7.45	%
Consumer		5,711			92		6.44	%		5,295			84		6.40	%		7,786			139		7.14	%
Equipment finance		381,878			6,494		6.80	%		404,801			6,941		6.86	%		462,972			7,605		6.57	%
Total loans⁽¹⁾		6,441,853			94,808		5.90	%		6,434,316			93,866		5.90	%		6,257,741			92,589		5.93	%
Securities⁽²⁾		950,786			6,337		2.69	%		921,065			5,959		2.62	%		993,975			6,261		2.55	%
FHLB stock		16,385			219		5.36	%		16,385			831		20.56	%		16,385			354		8.65	%
Interest-bearing deposits in other banks		221,361			1,958		3.55	%		171,953			1,496		3.53	%		200,266			2,129		4.26	%
Total interest-earning assets		7,630,385			103,322		5.43	%		7,543,719			102,152		5.48	%		7,468,367			101,333		5.44	%

Noninterest-earning assets:
Cash and due from banks		48,769								52,668								53,977
Allowance for credit losses		(70,249	)							(69,284	)							(70,222	)
Other assets		255,426								247,771								250,241

Total assets	$	7,864,331							$	7,774,874							$	7,702,363

Liabilities and Stockholders’ Equity
Interest-bearing liabilities:
Deposits:
Demand: interest-bearing	$	81,682		$	33		0.16	%	$	74,963		$	27		0.15	%	$	81,308		$	29		0.15	%
Money market and savings		2,056,148			13,540		2.64	%		2,063,186			13,082		2.57	%		2,109,221			17,342		3.30	%
Time deposits		2,646,480			24,201		3.67	%		2,522,505			23,629		3.80	%		2,434,659			24,553		4.05	%
Total interest-bearing deposits		4,784,310			37,774		3.17	%		4,660,654			36,738		3.20	%		4,625,188			41,924		3.64	%
Borrowings		15,330			154		4.06	%		69,388			675		3.94	%		60,134			684		4.58	%
Subordinated debentures		130,695			1,537		4.70	%		130,541			1,536		4.70	%		130,880			1,586		4.84	%
Total interest-bearing liabilities		4,930,335			39,465		3.21	%		4,860,583			38,949		3.25	%		4,816,202			44,194		3.68	%

Noninterest-bearing liabilities and equity:
Demand deposits: noninterest-bearing		1,963,242								1,937,628								1,934,985
Other liabilities		120,896								134,153								140,053
Stockholders’ equity		849,858								842,510								811,123

Total liabilities and stockholders’ equity	$	7,864,331							$	7,774,874							$	7,702,363

Net interest income				$	63,857							$	63,203							$	57,139

Cost of deposits							2.25	%							2.26	%							2.56	%
Net interest spread (taxable equivalent basis)							2.22	%							2.23	%							1.76	%
Net interest margin (taxable equivalent basis)							3.36	%							3.38	%							3.07	%



⁽¹⁾Includes average loans held for sale
⁽²⁾Yields calculated on a fully taxable equivalent basis using the federal tax rate in effect for the periods presented.

Hanmi Financial Corporation and Subsidiaries
Average Balance, Average Yield Earned, and Average Rate Paid (Unaudited)
(Dollars in thousands)

	Six Months Ended
	June 30, 2026								June 30, 2025
				Interest		Average						Interest		Average
	Average			Income /		Yield /			Average			Income /		Yield /
	Balance			Expense		Rate			Balance			Expense		Rate
Assets
Interest-earning assets:
Loans:
Commercial real estate⁽¹⁾	$	3,975,480		$	113,080		5.74	%	$	3,958,335		$	111,248		5.67	%
Residential mortgage⁽¹⁾		1,018,800			27,547		5.41	%		975,579			26,004		5.38	%
Commercial and industrial⁽¹⁾		1,045,045			34,437		6.65	%		808,069			30,458		7.60	%
Consumer		5,504			175		6.42	%		7,343			257		7.08	%
Equipment finance		393,276			13,435		6.83	%		474,499			15,509		6.54	%
Loans receivable⁽¹⁾		6,438,105			188,674		5.90	%		6,223,825			183,476		5.94	%
Securities⁽²⁾		936,007			12,296		2.66	%		997,716			12,430		2.52	%
FHLB stock		16,385			1,050		12.92	%		16,385			714		8.79	%
Interest-bearing deposits in other banks		196,794			3,454		3.54	%		188,214			3,969		4.25	%
Total interest-earning assets		7,587,291			205,474		5.45	%		7,426,140			200,589		5.44	%

Noninterest-earning assets:
Cash and due from banks		50,707								53,824
Allowance for credit losses		(69,769	)							(69,936	)
Other assets		251,621								249,697

Total assets	$	7,819,850							$	7,659,725

Liabilities and Stockholders’ Equity
Interest-bearing liabilities:
Deposits:
Demand: interest-bearing	$	78,341		$	61		0.16	%	$	80,344		$	56		0.14	%
Money market and savings		2,059,647			26,622		2.61	%		2,073,421			33,779		3.29	%
Time deposits		2,584,835			47,829		3.73	%		2,390,249			48,648		4.10	%
Total interest-bearing deposits		4,722,823			74,512		3.18	%		4,544,014			82,483		3.66	%
Borrowings		42,210			830		3.96	%		119,460			2,708		4.57	%
Subordinated debentures		130,619			3,072		4.70	%		130,799			3,167		4.84	%
Total interest-bearing liabilities		4,895,652			78,414		3.23	%		4,794,273			88,358		3.72	%

Noninterest-bearing liabilities and equity:
Demand deposits: noninterest-bearing		1,950,506								1,915,577
Other liabilities		127,488								142,341
Stockholders’ equity		846,204								807,534

Total liabilities and stockholders’ equity	$	7,819,850							$	7,659,725

Net interest income				$	127,060							$	112,231

Cost of deposits							2.25	%							2.58	%
Net interest spread (taxable equivalent basis)							2.22	%							1.73	%
Net interest margin (taxable equivalent basis)							3.37	%							3.05	%


⁽¹⁾Includes average loans held for sale
⁽²⁾Yields calculated on a fully taxable equivalent basis using the federal tax rate in effect for the periods presented.

Non-GAAP Financial Measures

These disclosures should not be viewed as a substitute for results determined in accordance with GAAP, nor is it necessarily comparable to non-GAAP performance measures that may be presented by other companies.

Tangible Common Equity to Tangible Assets Ratio

Tangible common equity to tangible assets ratio is supplemental financial information determined by a method other than in accordance with U.S. generally accepted accounting principles (“GAAP”). This non-GAAP measure is used by management in the analysis of Hanmi’s capital strength. Tangible common equity is calculated by subtracting goodwill and other intangible assets from stockholders’ equity. Banking and financial institution regulators also exclude goodwill and other intangible assets from stockholders’ equity when assessing the capital adequacy of a financial institution. Management believes the presentation of this financial measure excluding the impact of these items provides useful supplemental information that is essential to a proper understanding of the capital strength of Hanmi.

The following table reconciles this non-GAAP performance measure to the GAAP performance measure for the periods indicated:

Tangible Common Equity to Tangible Assets Ratio (Unaudited)
(In thousands, except share, per share data and ratios)

	June 30,			March 31,			December 31,			September 30,			June 30,
Hanmi Financial Corporation and Subsidiaries	2026			2026			2025			2025			2025
Assets	$	8,001,473		$	7,839,227		$	7,869,185		$	7,856,731		$	7,862,363
Less goodwill and other intangible assets		(11,031	)		(11,031	)		(11,031	)		(11,031	)		(11,031	)
Tangible assets	$	7,990,442		$	7,828,196		$	7,858,154		$	7,845,700		$	7,851,332

Stockholders’ equity⁽¹⁾	$	812,680		$	802,819		$	796,386		$	779,550		$	762,834
Less goodwill and other intangible assets		(11,031	)		(11,031	)		(11,031	)		(11,031	)		(11,031	)
Tangible stockholders’ equity⁽¹⁾	$	801,649		$	791,788		$	785,355		$	768,519		$	751,803

Stockholders’ equity to assets		10.16	%		10.24	%		10.12	%		9.92	%		9.70	%
Tangible common equity to tangible assets⁽¹⁾		10.03	%		10.11	%		9.99	%		9.80	%		9.58	%

Common shares outstanding		29,650,306			29,806,694			29,894,757			29,975,371			30,176,568
Tangible common equity per common share	$	27.04		$	26.56		$	26.27		$	25.64		$	24.91

⁽¹⁾There were no preferred shares outstanding at the periods indicated.

Preprovision Net Revenues

Preprovision net revenues is supplemental financial information determined by a method other than in accordance with U.S. GAAP. This non-GAAP measure is used by management to measure Hanmi’s core operational performance, excluding the impact of provisions for loan losses. By isolating preprovision net revenues, management can better understand the Company’s true profitability and make more informed strategic decisions. Preprovision net revenues is calculated adding income tax expense and credit loss expense to net income. Management believes this financial measure highlights the Company’s revenue activities and operational efficiency, excluding unpredictable loan loss provisions.

The following table details the Company’s preprovision net revenues, which are non-GAAP measures, for the periods indicated:

Preprovision Net Revenues (Unaudited)
(In thousands, except percentages)

											Percentage Change
Hanmi Financial Corporation and	Jun 30,		Mar 31,		Dec 31,		Sep 30,		Jun 30,		Q2-26			Q2-26
Subsidiaries	2026		2026		2025		2025		2025		vs. Q1-26			vs. Q2-25
Net income	$	23,505	$	22,557	$	21,239	$	22,061	$	15,117
Add back:
Credit loss expense		1,186		2,892		1,943		2,145		7,631
Income tax expense		8,475		7,925		8,887		9,396		6,115
Preprovision net revenue	$	33,166	$	33,374	$	32,069	$	33,602	$	28,863		-0.6	%		14.9	%

Source: Hanmi Bank

Hanmi Financial Corporation Announces Second Quarter 2026 Earnings and Conference Call Date

Tue, 07 Jul 2026 16:05:00 -0400

LOS ANGELES, July 07, 2026 (GLOBE NEWSWIRE) -- Hanmi Financial Corporation (Nasdaq: HAFC) (“Hanmi”), the holding company for Hanmi Bank, today announced that it will report second quarter 2026 financial results after the market close on Tuesday, July 21, 2026. Management will host a conference call that same day, at 2:00 p.m. Pacific Time (5:00 p.m. Eastern Time) to discuss the results.

Investment professionals and all current and prospective shareholders are invited to access the live call on July 21 by dialing 1-877-407-9039 before 2:00 p.m. Pacific Time, using access code “Hanmi Bank”. To listen to the call online visit the investor relations page of Hanmi’s website at www.hanmi.com. The webcast will also be available for replay approximately one hour following the call.

About Hanmi Financial Corporation
Headquartered in Los Angeles, California, Hanmi Financial Corporation owns Hanmi Bank, which serves multi-ethnic communities through its network of 32 full-service branches, five loan production offices and three loan centers in California, Colorado, Georgia, Illinois, New Jersey, New York, Texas, Virginia and Washington. Hanmi Bank specializes in real estate, commercial, SBA and trade finance lending to small and middle market businesses. Additional information is available at www.hanmi.com.

Contact
Romolo (Ron) Santarosa
Senior Executive Vice President & Chief Financial Officer
213-427-5636

Lisa Fortuna
Investor Relations
Financial Profiles, Inc.
310-622-8251

Source: Hanmi Bank

Hanmi Financial Declares Cash Dividend of $0.28 per share

Thu, 23 Apr 2026 08:30:00 -0400

LOS ANGELES, April 23, 2026 (GLOBE NEWSWIRE) -- Hanmi Financial Corporation (NASDAQ: HAFC) (“Hanmi” or the “Company”), the parent company of Hanmi Bank (the “Bank”), today announced that its Board of Directors declared a cash dividend on its common stock for the 2026 second quarter of $0.28 per share. The dividend will be paid on May 20, 2026, to stockholders of record as of the close of business on May 4, 2026.

Forward-Looking Statements
This press release contains forward-looking statements, which are included in accordance with the “safe harbor” provisions of the Private Securities Litigation Reform Act of 1995. All statements other than statements of historical fact are “forward–looking statements” for purposes of federal and state securities laws, including, but not limited to, statements about our anticipated future operating and financial performance, financial position and liquidity, business strategies, regulatory and competitive outlook, investment and expenditure plans, capital and financing needs and availability, plans and objectives of management for share repurchases, future operations, developments regarding our capital and strategic plans, and other similar forecasts and statements of expectation and statements of assumption underlying any of the foregoing. In some cases, you can identify forward-looking statements by terminology such as “may,” “will,” “should,” “could,” “expects,” “plans,” “intends,” “anticipates,” “believes,” “estimates,” “predicts,” “potential,” or “continue,” or the negative of such terms and other comparable terminology. Although we believe that our forward-looking statements to be reasonable, we cannot guarantee future results, levels of activity, performance or achievements.

a failure to maintain adequate levels of capital and liquidity to support our operations;
general economic and business conditions internationally, nationally and in those areas in which we operate, including any potential recessionary conditions;
volatility and deterioration in the credit and equity markets;
changes in investor sentiment or consumer spending, borrowing and savings habits;
availability of capital from private and government sources;
demographic changes;
competition for loans and deposits and failure to attract or retain loans and deposits;
inflation and fluctuations in interest rates that reduce our margins and yields, the fair value of financial instruments, the level of loan originations or prepayments on loans we have made and make, the level of loan sales and the cost we pay to retain and attract deposits and secure other types of funding;
our ability to enter new markets successfully and capitalize on growth opportunities;
the current or anticipated impact of military conflict, terrorism, or other geopolitical events;
the effect of potential future supervisory action against us or Hanmi Bank and our ability to address any issues raised in our regulatory exams;
risks of natural disasters;
legal proceedings and litigation brought against us;
a failure in or breach of our operational or security systems or infrastructure, including cyberattacks;
the failure to maintain current technologies;
risks associated with Small Business Administration loans;
failure to attract or retain key employees;
our ability to access cost-effective funding;
the imposition of tariffs or other domestic or international governmental policies and any retaliatory responses;
the impact of a potential federal government shutdown, which may impact on our ability to effect sales of Small Business Administration loans;
changes in liquidity, including the size and composition of our deposit portfolio and the percentage of uninsured deposits in the portfolio;
fluctuations in real estate values;
changes in accounting policies and practices;
changes in governmental regulation, including, but not limited to, any increase in FDIC insurance premiums and changes in the monetary policies of the U.S. Treasury and the Board of Governors of the Federal Reserve System;
the ability of Hanmi Bank to make distributions to Hanmi Financial Corporation, which is restricted by certain factors, including Hanmi Bank’s retained earnings, net income, prior distributions made, and certain other financial tests;
strategic transactions we may enter into, including the costs associated with the evaluation of any strategic opportunities and the overall effects of any acquisitions or dispositions we may make;
the adequacy of and changes in the economic assumptions and methodology for computing our allowance for credit losses;
our credit quality and the effect of credit quality on our credit losses expense and allowance for credit losses;
changes in the financial performance and/or condition of our borrowers and the ability of our borrowers to perform under the terms of their loans and other terms of credit agreements;
our ability to control expenses;
cyber security and fraud risks against our information technology and those of our third-party providers and vendors;
the inability of third-party service providers to perform their obligations to us; and
the ability of the Company to withstand disruptions that may be caused by any failure of the operational systems of third parties.

Investor Contacts:
Romolo (Ron) Santarosa
Senior Executive Vice President & Chief Financial Officer
213-427-5636

Lisa Fortuna
Investor Relations
Financial Profiles, Inc.
lfortuna@finprofiles.com
310-622-8251

Source: Hanmi Bank

Hanmi Reports 2026 First Quarter Results

Tue, 21 Apr 2026 16:05:00 -0400

LOS ANGELES, April 21, 2026 (GLOBE NEWSWIRE) -- Hanmi Financial Corporation (NASDAQ: HAFC, or “Hanmi”), the parent company of Hanmi Bank (the “Bank”), today reported financial results for the first quarter of 2026.

Net income for the first quarter of 2026 was $22.6 million, or $0.75 per diluted share, compared with $21.2 million, or $0.70 per diluted share for the fourth quarter of 2025. The return on average assets for the first quarter was 1.18% and the return on average equity was 10.86%, compared with a return on average assets of 1.07% and a return on average equity of 10.14% for the fourth quarter of 2025.

CEO Commentary
“Hanmi delivered strong results in the first quarter, reflecting the effective execution of our growth strategy,” said Bonnie Lee, President and Chief Executive Officer. “We saw several positive trends, including 7.2% annualized deposit growth, net interest margin expansion, and stable expense levels. This contributed to 6.2% growth in net income, an ROAA of 1.18%, and further strengthened our capital ratios. These results underscore the success of our relationship-driven banking model.”

“Consistent with our strategy, we further diversified our loan portfolio where C&I loans reached 17.6% of total loans and C&I loan production increased 64% from new banking relationships. Our asset quality remained excellent, with nonperforming assets falling by 38%, to 0.16% of total assets.”

“Based on our first quarter performance and the strong pipeline we have for both loans and deposits, we expect these positive trends in key areas to continue, and we remain confident in our ability to deliver strong financial performance for our shareholders in 2026,” concluded Lee.

First Quarter 2026 Highlights:

Net income was $22.6 million, or $0.75 per diluted share, up 6.2% from the fourth quarter, driven by continued growth in net interest income and margin, higher gains from sales of SBA loans, well-controlled noninterest expenses, and a lower effective tax rate. Return on average assets and return on average equity during the quarter were healthy at 1.18% and 10.86%, respectively.
Deposits increased 1.8% to $6.8 billion from the prior quarter and noninterest-bearing demand deposits remained stable at approximately 30% of total deposits.
Loan production increased by 0.8% to $377.9 million from the prior quarter, driven primarily by a 64% increase in commercial and industrial loan production. New loans had a weighted average interest rate of 6.54% compared to a weighted average interest rate of 6.21% for payoffs.
Net interest income continued to grow, increasing 0.5% from the prior quarter, due primarily to lower interest expense as the average rate on interest-bearing deposits declined 16 basis points. Net interest margin increased ten basis points to 3.38%, due primarily to lower rates on interest-bearing deposits.
Asset quality remained strong as nonperforming assets to total assets was 0.16%, an improvement of ten basis points from the prior quarter, and nonperforming loans to total loans was 0.19%, an improvement of nine basis points from the prior quarter.
Hanmi capital ratios strengthened further as tangible common equity to tangible assets improved 12 basis points to 10.11% and the common equity tier 1 capital ratio improved 15 basis points to 12.20%. Simultaneously, Hanmi returned $13.4 million of capital to shareholders in the form of dividends of $8.6 million and share repurchases of $4.8 million.

For more information about Hanmi, please see the Q1 2026 Investor Update (and Supplemental Financial Information), which is available on the Bank’s website at www.hanmi.com and via a current report on Form 8-K on the website of the Securities and Exchange Commission at www.sec.gov. Also, please refer to “Non-GAAP Financial Measures” herein for further details of the presentation of certain non-GAAP financial measures.

Quarterly Highlights
(Dollars in thousands, except per share data)

	As of or for the Three Months Ended															Amount Change
	Mar 31,			Dec 31,			Sep 30,			Jun 30,			Mar 31,			Q1-26			Q1-26
	2026			2025			2025			2025			2025			vs. Q4-25			vs. Q1-25

Net income	$	22,557		$	21,239		$	22,061		$	15,117		$	17,672		$	1,318		$	4,885
Net income per diluted common share	$	0.75		$	0.70		$	0.73		$	0.50		$	0.58		$	0.05		$	0.17

Assets	$	7,839,227		$	7,869,185		$	7,856,731		$	7,862,363		$	7,729,035		$	(29,958	)	$	110,192
Loans	$	6,545,466		$	6,563,367		$	6,528,259		$	6,305,957		$	6,282,189		$	(17,901	)	$	263,277
Deposits	$	6,800,622		$	6,677,650		$	6,766,639		$	6,729,122		$	6,619,475		$	122,972		$	181,147

Return on average assets		1.18	%		1.07	%		1.12	%		0.79	%		0.94	%		0.11			0.24
Return on average stockholders’ equity		10.86	%		10.14	%		10.69	%		7.48	%		8.92	%		0.72			1.94

Net interest margin		3.38	%		3.28	%		3.22	%		3.07	%		3.02	%		0.10			0.36
Efficiency ratio ⁽¹⁾		53.48	%		54.95	%		52.65	%		55.74	%		55.69	%		-1.47			-2.21

Tangible common equity to tangible assets ⁽²⁾		10.11	%		9.99	%		9.80	%		9.58	%		9.59	%		0.12			0.52
Tangible common equity per common share ⁽²⁾	$	26.56		$	26.27		$	25.64		$	24.91		$	24.49			0.29			2.07


⁽¹⁾Noninterest expense divided by net interest income plus noninterest income.
⁽²⁾Refer to “Non-GAAP Financial Measures” for further details.

Results of Operations
Net interest income increased $0.3 million, or 0.5%, to $63.2 million for the first quarter of 2026, from $62.9 million for the fourth quarter of 2025, principally because of lower interest expense on interest-bearing deposits, which declined by $3.2 million from the fourth quarter. Interest income on loans for the first quarter, however, also declined by $2.7 million from the previous quarter. A $0.5 million special dividend on FHLB stock and a $0.7 million decline in interest income on securities and other interest-earning assets account for the remaining difference.

Net interest margin (taxable equivalent) improved by ten basis points to 3.38% for the first quarter of 2026, from 3.28% for the fourth quarter of 2025. The increase in net interest margin primarily reflected the 16-basis point decline in the cost of interest-bearing deposits.

The average yield on loans for the first quarter was 5.90%, down four basis points from the fourth quarter, and the average balance of loans for the first quarter was $6.43 billion, down 0.3% from the previous quarter. The cost of interest-bearing deposits for the first quarter was 3.20%, down 16 basis points from the fourth quarter, and the average balance of interest-bearing deposits was $4.66 billion, down 1.1% from the previous quarter. The ratio of average loans to average deposits for the first quarter was 97.5%, compared with 96.6% for the previous quarter.

	For the Three Months Ended (in thousands)										Percentage Change
	Mar 31,		Dec 31,		Sep 30,		Jun 30,		Mar 31,		Q1-26			Q1-26
Net Interest Income	2026		2025		2025		2025		2025		vs. Q4-25			vs. Q1-25

Interest and fees on loans ⁽¹⁾	$	93,866	$	96,592	$	95,691	$	92,589	$	90,887		-2.8	%		3.3	%
Interest on securities		5,959		6,323		6,592		6,261		6,169		-5.8	%		-3.4	%
Dividends on FHLB stock		831		361		357		354		360		130.2	%		130.8	%
Interest on deposits in other banks		1,496		1,837		2,586		2,129		1,841		-18.6	%		-18.7	%
Total interest and dividend income	$	102,152	$	105,113	$	105,226	$	101,333	$	99,257		-2.8	%		2.9	%

Interest on deposits		36,738		39,978		42,244		41,924		40,559		-8.1	%		-9.4	%
Interest on borrowings		676		695		324		684		2,024		-2.7	%		-66.6	%
Interest on subordinated debentures		1,535		1,561		1,579		1,586		1,582		-1.7	%		-3.0	%
Total interest expense		38,949		42,234		44,147		44,194		44,165		-7.8	%		-11.8	%
Net interest income	$	63,203	$	62,879	$	61,079	$	57,139	$	55,092		0.5	%		14.7	%

⁽¹⁾Includes loans held for sale.

	For the Three Months Ended (in thousands)										Percentage Change
Average Earning Assets and Interest-bearing Liabilities	Mar 31,		Dec 31,		Sep 30,		Jun 30,		Mar 31,		Q1-26			Q1-26
Average Earning Assets and Interest-bearing Liabilities	2026		2025		2025		2025		2025		vs. Q4-25			vs. Q1-25
Loans ⁽¹⁾	$	6,434,316	$	6,456,239	$	6,304,435	$	6,257,741	$	6,189,531		-0.3	%		4.0	%
Securities		921,065		955,811		985,888		993,975		1,001,499		-3.6	%		-8.0	%
FHLB stock		16,385		16,385		16,385		16,385		16,385		0.0	%		0.0	%
Interest-bearing deposits in other banks		171,953		191,731		239,993		200,266		176,028		-10.3	%		-2.3	%
Average interest-earning assets	$	7,543,719	$	7,620,166	$	7,546,701	$	7,468,367	$	7,383,443		-1.0	%		2.2	%

Demand: interest-bearing	$	74,963	$	77,297	$	86,839	$	81,308	$	79,369		-3.0	%		-5.6	%
Money market and savings		2,063,186		2,130,616		2,122,967		2,109,221		2,037,224		-3.2	%		1.3	%
Time deposits		2,522,505		2,506,582		2,494,285		2,434,659		2,345,346		0.6	%		7.6	%
Average interest-bearing deposits		4,660,654		4,714,495		4,704,091		4,625,188		4,461,939		-1.1	%		4.5	%
Borrowings		69,388		64,565		27,772		60,134		179,444		7.5	%		-61.3	%
Subordinated debentures		130,541		130,385		130,766		130,880		130,718		0.1	%		-0.1	%
Average interest-bearing liabilities	$	4,860,583	$	4,909,445	$	4,862,629	$	4,816,202	$	4,772,101		-1.0	%		1.9	%

Average Noninterest Bearing Deposits
Demand deposits - noninterest bearing	$	1,937,628	$	1,969,908	$	1,960,331	$	1,934,985	$	1,895,953		-1.6	%		2.2	%

⁽¹⁾Includes loans held for sale.

	For the Three Months Ended															Yield/Rate Change
	Mar 31,			Dec 31,			Sep 30,			Jun 30,			Mar 31,			Q1-26		Q1-26
Average Yields and Rates	2026			2025			2025			2025			2025			vs. Q4-25		vs. Q1-25
Loans ⁽¹⁾		5.90	%		5.94	%		6.03	%		5.93	%		5.95	%		-0.04		-0.05
Securities ⁽²⁾		2.62	%		2.67	%		2.70	%		2.55	%		2.49	%		-0.05		0.13
FHLB stock		20.56	%		8.75	%		8.65	%		8.65	%		8.92	%		11.81		11.64
Interest-bearing deposits in other banks		3.53	%		3.80	%		4.27	%		4.26	%		4.24	%		-0.27		-0.71
Interest-earning assets		5.48	%		5.48	%		5.54	%		5.44	%		5.45	%		0.00		0.03

Interest-bearing deposits		3.20	%		3.36	%		3.56	%		3.64	%		3.69	%		-0.16		-0.49
Borrowings		3.94	%		4.27	%		4.63	%		4.58	%		4.57	%		-0.33		-0.63
Subordinated debentures		4.70	%		4.79	%		4.83	%		4.84	%		4.84	%		-0.09		-0.14
Interest-bearing liabilities		3.25	%		3.41	%		3.60	%		3.68	%		3.75	%		-0.16		-0.50

Net interest margin (taxable equivalent basis)		3.38	%		3.28	%		3.22	%		3.07	%		3.02	%		0.10		0.36

Cost of deposits		2.26	%		2.37	%		2.51	%		2.56	%		2.59	%		-0.11		-0.33

⁽¹⁾Includes loans held for sale.
⁽²⁾Amounts calculated on a fully taxable equivalent basis using the federal tax rate in effect for the periods presented.

Credit loss expense for the first quarter of 2026 was $2.9 million, compared with $1.9 million for the fourth quarter of 2025. First-quarter credit loss expense included a $3.2 million provision for loan losses and a negative provision of $0.3 million for off-balance sheet items. Fourth-quarter credit loss expense included $1.7 million for loan losses and $0.2 million for off-balance sheet items.

Noninterest income was $8.5 million for the first quarter of 2026, up 2.9% from $8.3 million for the fourth quarter of 2025. The increase was primarily due to a $0.3 million increase in gain on sales of SBA loans. The gain on sales of SBA loans was $2.1 million for the first quarter of 2026, compared with $1.8 million for the fourth quarter of 2025. The volume of SBA loans sold for the first quarter increased to $32.5 million from $29.9 million for the fourth quarter of 2025, and trade premiums also increased to 7.88% for the first quarter of 2026 compared with 7.40% for the fourth quarter. Residential mortgage loans sold for the first quarter were $31.7 million with a premium of 2.50%, compared with $33.5 million and 2.62% for the fourth quarter. The gain on sales of residential mortgage loans was $0.5 million for the first quarter, compared with $0.6 million for the fourth quarter.

	For the Three Months Ended (in thousands)										Percentage Change
	Mar 31,		Dec 31,		Sep 30,		Jun 30,		Mar 31,		Q1-26			Q1-26
Noninterest Income	2026		2025		2025		2025		2025		vs. Q4-25			vs. Q1-25
Service charges on deposit accounts	$	2,127	$	2,196	$	2,160	$	2,169	$	2,217		-3.1	%		-4.1	%
Trade finance and other service charges and fees		1,501		1,735		1,551		1,461		1,396		-13.5	%		7.5	%
Servicing income		870		924		924		754		732		-5.8	%		18.9	%
Bank-owned life insurance income		610		315		1,259		708		309		93.7	%		97.4	%
All other operating income		844		758		973		819		897		11.3	%		-5.9	%
Service charges, fees & other		5,952		5,928		6,867		5,911		5,551		0.4	%		7.2	%

Gain on sale of SBA loans		2,102		1,790		1,857		2,160		2,000		17.4	%		5.1	%
Gain on sale of residential mortgage loans		485		581		1,156		-		175		-16.5	%		177.1	%
Total noninterest income	$	8,539	$	8,299	$	9,880	$	8,071	$	7,726		2.9	%		10.5	%

Noninterest expense for the first quarter of 2026 was $38.4 million, down 1.9% from $39.1 million for the fourth quarter of 2025. The decrease was principally due to the income recognized on the sale of foreclosed properties for the first quarter, compared with an expense for other-real-estate-owned for the fourth quarter. No foreclosed properties remained at the end of the 2026-first quarter. The efficiency ratio declined to 53.48% for the first quarter, compared with 54.95% for the previous quarter.

	For the Three Months Ended (in thousands)													Percentage Change
	Mar 31,			Dec 31,		Sep 30,		Jun 30,			Mar 31,			Q1-26			Q1-26
	2026			2025		2025		2025			2025			vs. Q4-25			vs. Q1-25
Noninterest Expense
Salaries and employee benefits	$	21,956		$	22,472	$	22,163	$	22,069		$	20,972			-2.3	%		4.7	%
Occupancy and equipment		4,414			4,339		4,507		4,344			4,450			1.7	%		-0.8	%
Data processing		4,386			4,098		3,860		3,727			3,787			7.0	%		15.8	%
Professional fees		2,780			2,343		1,978		1,725			1,468			18.7	%		89.4	%
Supplies and communication		556			573		423		515			517			-3.0	%		7.5	%
Advertising and promotion		688			1,010		712		798			585			-31.9	%		17.6	%
All other operating expenses		3,849			3,795		3,665		3,567			3,175			1.4	%		21.2	%
Subtotal		38,629			38,630		37,308		36,745			34,954			0.0	%		10.5	%

Other real estate owned expense (income)		(345	)		474		17		(461	)		41			-172.8	%		941.5	%
Repossessed personal property expense (income)		84			5		32		63			(11	)		1580.0	%		-863.6	%
Total noninterest expense	$	38,368		$	39,109	$	37,357	$	36,347		$	34,984			-1.9	%		9.7	%

The effective tax rate was 26.0% for the first quarter of 2026, compared with 29.5% for the fourth quarter of 2025. The lower effective tax rate reflects the tax benefit arising from the first-quarter vesting of performance stock units, as well as the year-ago change in the State of California apportionment calculation.

Financial Position
Total assets at March 31, 2026 decreased 0.4%, or $30.0 million, to $7.84 billion from $7.87 billion at December 31, 2025. The decrease reflected a $44.9 million decline in securities available for sale and an $18.5 million decline in loans, partially offset by a $41.2 million increase in cash and due from banks.
Total loans, excluding the allowance for credit losses and loans held for sale, were $6.55 billion at March 31, 2026, down 0.3% from $6.56 billion at December 31, 2025.

Loans held for sale were $4.9 million at March 31, 2026, down from $7.4 million at December 31, 2025. At the end of the first quarter, loans held-for-sale consisted of the guaranteed portion of SBA 7(a) loans.

	As of (in thousands)										Percentage Change
	Mar 31,		Dec 31,		Sep 30,		Jun 30,		Mar 31,		Q1-26			Q1-26
	2026		2025		2025		2025		2025		vs. Q4-25			vs. Q1-25
Loan Portfolio
Commercial real estate loans	$	3,998,144	$	4,030,105	$	4,015,291	$	3,948,922	$	3,975,651		-0.8	%		0.6	%
Residential/consumer loans		1,002,223		1,049,872		1,043,577		993,869		979,536		-4.5	%		2.3	%
Commercial and industrial loans		1,152,544		1,074,907		1,052,522		917,995		854,406		7.2	%		34.9	%
Equipment finance		392,555		408,483		416,869		445,171		472,596		-3.9	%		-16.9	%
Total loans held for investment		6,545,466		6,563,367		6,528,259		6,305,957		6,282,189		-0.3	%		4.2	%
Loans held for sale		4,932		7,403		6,512		49,611		11,831		-33.4	%		-58.3	%
Total loans	$	6,550,398	$	6,570,770	$	6,534,771	$	6,355,568	$	6,294,020		-0.3	%		4.1	%

	As of
	Mar 31,			Dec 31,			Sep 30,			Jun 30,			Mar 31,
	2026			2025			2025			2025			2025
Composition of Loan Portfolio
Commercial real estate loans		61.0	%		61.3	%		61.4	%		62.2	%		63.1	%
Residential/consumer loans		15.3	%		16.0	%		16.0	%		15.6	%		15.6	%
Commercial and industrial loans		17.6	%		16.4	%		16.1	%		14.4	%		13.6	%
Equipment finance		6.0	%		6.2	%		6.4	%		7.0	%		7.5	%
Total loans held for investment		99.9	%		99.9	%		99.9	%		99.2	%		99.8	%
Loans held for sale		0.1	%		0.1	%		0.1	%		0.8	%		0.2	%
Total loans		100.0	%		100.0	%		100.0	%		100.0	%		100.0	%

New loan production was $377.9 million for the first quarter of 2026 with an average rate of 6.54%, while payoffs were $198.9 million during the quarter at an average rate of 6.21%.

	For the Three Months Ended (in thousands)
	Mar 31,			Dec 31,			Sep 30,			Jun 30,			Mar 31,
	2026			2025			2025			2025			2025
New Loan Production
Commercial real estate loans	$	131,426		$	125,866		$	176,826		$	111,993		$	146,606
Residential/consumer loans		29,074			70,268			103,247			83,761			55,000
Commercial and industrial loans		134,717			82,079			211,454			53,444			42,344
SBA loans		40,652			44,065			44,931			46,829			55,242
Equipment finance		42,051			52,521			34,315			33,567			46,749
Subtotal		377,920			374,799			570,773			329,594			345,941


Payoffs		(198,936	)		(123,086	)		(142,963	)		(119,139	)		(125,102	)
Amortization		(133,396	)		(133,992	)		(60,939	)		(151,357	)		(90,743	)
Loan sales		(64,690	)		(63,642	)		(100,452	)		(35,388	)		(42,193	)
Net line utilization		4,373			(16,072	)		(39,497	)		12,435			(53,901	)
Charge-offs & OREO		(3,172	)		(2,899	)		(4,620	)		(12,377	)		(3,190	)

Loans held for investment-beginning balance		6,563,367			6,528,259			6,305,957			6,282,189			6,251,377
Loans held for investment-ending balance	$	6,545,466		$	6,563,367		$	6,528,259		$	6,305,957		$	6,282,189

Deposits were $6.80 billion at the end of the first quarter of 2026, up $123.0 million, or 1.8%, from $6.68 billion at the end of the prior quarter. Driving the change was a $72.0 million increase in time deposits and a $31.9 million increase in money market and savings deposits. Noninterest-bearing demand deposits represented 29.9% of total deposits at March 31, 2026 and the loan-to-deposit ratio was 96.2%.

	As of (in thousands)										Percentage Change
	Mar 31,		Dec 31,		Sep 30,		Jun 30,		Mar 31,		Q1-26			Q1-26
	2026		2025		2025		2025		2025		vs. Q4-25			vs. Q1-25
Deposit Portfolio
Demand: noninterest-bearing	$	2,030,743	$	2,015,212	$	2,087,132	$	2,105,369	$	2,066,659		0.8	%		-1.7	%
Demand: interest-bearing		78,341		74,799		86,834		90,172		80,790		4.7	%		-3.0	%
Money market and savings		2,116,073		2,084,218		2,094,028		2,092,847		2,073,943		1.5	%		2.0	%
Time deposits $250,000 and less		1,406,753		1,365,885		1,324,267		1,283,984		1,288,773		3.0	%		9.2	%
Core deposits		5,631,910		5,540,114		5,592,261		5,572,372		5,510,165		1.7	%		2.2	%
Time deposits over $250,000		1,168,712		1,137,536		1,174,378		1,156,750		1,109,310		2.7	%		5.4	%
Total deposits	$	6,800,622	$	6,677,650	$	6,766,639	$	6,729,122	$	6,619,475		1.8	%		2.7	%

	As of
	Mar 31,			Dec 31,			Sep 30,			Jun 30,			Mar 31,
	2026			2025			2025			2025			2025
Composition of Deposit Portfolio
Demand: noninterest-bearing		29.9	%		30.2	%		30.8	%		31.3	%		31.2	%
Demand: interest-bearing		1.2	%		1.1	%		1.3	%		1.3	%		1.2	%
Money market and savings		31.0	%		31.2	%		30.9	%		31.1	%		31.3	%
Time deposits $250,000 and less		20.7	%		20.5	%		19.6	%		19.1	%		19.5	%
Core deposits		82.8	%		83.0	%		82.6	%		82.8	%		83.2	%
Time deposits over $250,000		17.2	%		17.0	%		17.4	%		17.2	%		16.8	%
Total deposits		100.0	%		100.0	%		100.0	%		100.0	%		100.0	%

Stockholders’ equity at March 31, 2026 was $802.8 million, up $6.4 million, or 0.8%, from $796.4 million at December 31, 2025. Offsetting the increase to stockholders’ equity from first quarter net income of $22.6 million were dividends of $8.6 million, share repurchases of $4.8 million, a $2.3 million increase in unrealized after-tax losses on securities available for sale, and $1.1 million in purchases of vested stock in respect of Hanmi’s equity compensation programs. During the first quarter, Hanmi repurchased 185,707 shares of common stock at an average price of $25.89. As of March 31, 2026, there were 2.15 million shares available under Hanmi’s share repurchase program. In addition to the share repurchase program, Hanmi purchased 41,268 shares of common stock surrendered by employees to satisfy their tax liabilities upon the first-quarter vesting of their equity compensation awards.

Tangible common equity per share at the end of the first quarter of 2026 was $26.56, up 1.1% from $26.27 at the end of the fourth quarter of 2025. Please refer to the Non-GAAP Financial Measures section below for more information.

Hanmi and the Bank exceeded minimum regulatory capital requirements, and the Bank continued to exceed the minimum for the “well capitalized” category.

	As of															Ratio Change
	Mar 31,			Dec 31,			Sep 30,			Jun 30,			Mar 31,			Q1-26		Q1-26
	2026			2025			2025			2025			2025			vs. Q4-25		vs. Q1-25
Regulatory Capital ratios⁽¹⁾
Hanmi Financial
Total risk-based capital		15.22	%		15.06	%		15.05	%		15.20	%		15.28	%		0.16		-0.06
Tier 1 risk-based capital		12.52	%		12.37	%		12.33	%		12.46	%		12.46	%		0.15		0.06
Common equity tier 1 capital		12.20	%		12.05	%		12.00	%		12.12	%		12.12	%		0.15		0.08
Tier 1 leverage capital ratio		10.93	%		10.70	%		10.64	%		10.63	%		10.67	%		0.23		0.26
Hanmi Bank
Total risk-based capital		14.45	%		14.25	%		14.28	%		14.39	%		14.47	%		0.20		-0.02
Tier 1 risk-based capital		13.37	%		13.17	%		13.20	%		13.32	%		13.34	%		0.20		0.03
Common equity tier 1 capital		13.37	%		13.17	%		13.20	%		13.32	%		13.34	%		0.20		0.03
Tier 1 leverage capital ratio		11.74	%		11.47	%		11.46	%		11.43	%		11.49	%		0.27		0.25

⁽¹⁾Preliminary ratios for March 31, 2026

Asset Quality
Loans 30 to 89 days past due and still accruing were 0.20% of loans at the end of the first quarter of 2026, compared with 0.27% at the end of the fourth quarter of 2025.

Criticized loans were $116.4 million for the first quarter of 2026, compared with $97.0 million for the fourth quarter of 2025 and $164.9 million for the first quarter of 2025. The increase during the first quarter of 2026 was driven by special mention loans, which increased $22.6 million because of a $21.2 million commercial real estate loan downgrade. Changes in classified loans, which decreased $3.2 million, included a $9.7 million payment on a commercial real estate office loan that had a balance of $10.2 million at December 31, 2025. Classified loan downgrades for the first quarter, which totaled $9.6 million, included a $5.0 million commercial and industrial loan in the hospitality industry. There were no transfers of criticized loans into other-real-estate-owned during the first quarter of 2026. As a percent of total loans, criticized loans were 1.78% as of March 31, 2026, compared with 1.48% as of December 31, 2025, and 2.62% as of March 31, 2025.

Nonaccrual loans were $12.4 million, or 0.19% of loans, at March 31, 2026, compared with $18.1 million, or 0.28% of loans, at December 31, 2025, and $35.5 million, or 0.56% of loans, at March 31, 2025. The decrease for the first quarter reflects the $9.7 million payment described in the above paragraph and $1.9 million of equipment finance agreement charge-offs, partially offset by the addition of a $3.2 million commercial real estate loan in the hospitality industry.

Nonperforming assets were $12.4 million, or 0.16% of total assets, at March 31, 2026, compared with $20.1 million, or 0.26% of total assets, at December 31, 2025. The decline reflects the changes described in the above paragraph as well as the sale of two other-real-estate-owned properties for a net gain of $0.8 million. No foreclosed properties remained in other-real-estate-owned at the end of the first quarter.

Gross charge-offs for the first quarter of 2026 were $3.2 million, compared with $2.9 million for the preceding quarter. Charge-offs during the first quarter included $2.9 million of equipment financing agreements. Recoveries of previously charged off loans were $0.6 million, which included $0.5 million of equipment financing agreements. As a result, there were $2.6 million of net charge-offs for the first quarter of 2026, or 0.16% of loans (annualized), compared with $1.6 million, or 0.10% of loans, for the fourth quarter of 2025.

The allowance for credit losses was $70.5 million, or 1.08% of loans, at March 31, 2026, compared with $69.9 million, or 1.07% of loans, at December 31, 2025. Collectively evaluated allowances increased $0.8 million, while specific allowances decreased $0.2 million.

	As of or for the Three Months Ended (in thousands)															Amount Change
	Mar 31,			Dec 31,			Sep 30,			Jun 30,			Mar 31,			Q1-26			Q1-26
	2026			2025			2025			2025			2025			vs. Q4-25			vs. Q1-25
Asset Quality Data and Ratios

Delinquent loans:
Loans, 30 to 89 days past due and still accruing	$	13,274		$	17,610		$	11,560		$	10,953		$	17,312		$	(4,336	)	$	(4,038	)
Delinquent loans to total loans		0.20	%		0.27	%		0.18	%		0.17	%		0.28	%		(0.07	)		(0.07	)

Criticized loans:
Special mention	$	93,682		$	71,113		$	16,775		$	12,700		$	118,380		$	22,569		$	(24,698	)
Classified		22,736			25,891			28,590			33,857			46,519			(3,155	)		(23,783	)
Total criticized loans⁽¹⁾	$	116,418		$	97,004		$	45,365		$	46,557		$	164,899		$	19,414		$	(48,481	)

Criticized loans to total loans		1.78	%		1.48	%		0.69	%		0.74	%		2.62	%		0.30			(0.84	)

Nonperforming assets:
Nonaccrual loans	$	12,420		$	18,112		$	19,369		$	25,967		$	35,458		$	(5,692	)	$	(23,038	)
Loans 90 days or more past due and still accruing		-			-			-			-			112			-			(112	)
Nonperforming loans		12,420			18,112			19,369			25,967			35,570			(5,692	)		(23,150	)
Other real estate owned, net		-			1,980			1,995			-			117			(1,980	)		(117	)
Nonperforming assets⁽²⁾	$	12,420		$	20,092		$	21,364		$	25,967		$	35,687		$	(7,672	)	$	(23,267	)

Nonperforming assets to total assets		0.16	%		0.26	%		0.27	%		0.33	%		0.46	%		-0.10			-0.30
Nonperforming loans to total loans		0.19	%		0.28	%		0.30	%		0.41	%		0.57	%		-0.09			-0.38

⁽¹⁾ Includes nonaccrual loans of $12.4 million, $18.1 million, $19.4 million, $24.1 million, and $34.4 million as of Q1-26, Q4-25, Q3-25, Q2-25, and Q1-25, respectively.
⁽²⁾ Excludes repossessed personal property of $0.3 million, $0.6 million, $0.4 million, $0.6 million, and $0.7 million as of Q1-26, Q4-25, Q3-25, Q2-25, and Q1-25, respectively.

	As of or for the Three Months Ended (in thousands)
	Mar 31,			Dec 31,			Sep 30,			Jun 30,			Mar 31,
	2026			2025			2025			2025			2025
Allowance for credit losses related to loans:
Balance at beginning of period	$	69,903		$	69,781		$	66,756		$	70,597		$	70,147
Credit loss expense (recovery) on loans		3,163			1,701			2,543			7,523			2,396
Net loan (charge-offs) recoveries		(2,598	)		(1,579	)		482			(11,364	)		(1,946	)
Balance at end of period	$	70,468		$	69,903		$	69,781		$	66,756		$	70,597

Net loan charge-offs (recoveries) to average loans ⁽¹⁾		0.16	%		0.10	%		-0.03	%		0.73	%		0.13	%
Allowance for credit losses to loans		1.08	%		1.07	%		1.07	%		1.06	%		1.12	%

Allowance for credit losses related to off-balance sheet items:
Balance at beginning of period	$	2,349		$	2,107		$	2,506		$	2,399		$	2,074
Credit loss expense (recovery) on off-balance sheet items		(271	)		242			(399	)		107			325
Balance at end of period	$	2,078		$	2,349		$	2,107		$	2,506		$	2,399

Unused commitments to extend credit	$	891,594		$	930,122		$	952,475		$	915,847		$	896,282

⁽¹⁾Annualized

Corporate Developments
On January 23, 2026, Hanmi’s Board of Directors declared a cash dividend on its common stock for the 2026 first quarter of $0.28 per share. Hanmi paid the dividend on February 26, 2026, to stockholders of record as of the close of business on February 10, 2026.

Earnings Conference Call
Hanmi Bank will host its first quarter 2026 earnings conference call today, April 21, 2026, at 2:00 p.m. PST (5:00 p.m. EST) to discuss these results. This call will also be webcast. To access the call, please dial 1-877-407-9039 before 2:00 p.m. PST, using access code Hanmi Bank. To listen to the call online, either live or archived, please visit Hanmi’s Investor Relations website at https://investors.hanmi.com/ where it will also be available for replay approximately one hour following the call.

About Hanmi Financial Corporation
Headquartered in Los Angeles, California, Hanmi Financial Corporation owns Hanmi Bank, which serves multi-ethnic communities through its network of 32 full-service branches and eight loan production offices in California, Texas, Illinois, Virginia, New Jersey, New York, Colorado, Washington and Georgia. Hanmi Bank specializes in real estate, commercial, SBA and trade finance lending to small and middle market businesses. Additional information is available at www.hanmi.com.

a failure to maintain adequate levels of capital and liquidity to support our operations;
general economic and business conditions internationally, nationally and in those areas in which we operate, including any potential recessionary conditions;
volatility and deterioration in the credit and equity markets;
changes in investor sentiment or consumer spending, borrowing and savings habits;
availability of capital from private and government sources;
demographic changes;
competition for loans and deposits and failure to attract or retain loans and deposits;
inflation and fluctuations in interest rates that reduce our margins and yields, the fair value of financial instruments, the level of loan originations or prepayments on loans we have made and make, the level of loan sales and the cost we pay to retain and attract deposits and secure other types of funding;
our ability to enter new markets successfully and capitalize on growth opportunities;
the current or anticipated impact of military conflict, terrorism or other geopolitical events;
the effect of potential future supervisory action against us or Hanmi Bank and our ability to address any issues raised in our regulatory exams;
risks of natural disasters;
legal proceedings and litigation brought against us;
a failure in or breach of our operational or security systems or infrastructure, including cyberattacks;
the failure to maintain current technologies;
risks associated with Small Business Administration loans;
failure to attract or retain key employees;
our ability to access cost-effective funding;
the imposition of tariffs or other domestic or international governmental policies and any retaliatory responses;
the impact of a potential federal government shutdown, which may impact on our ability to effect sales of Small Business Administration loans;
changes in liquidity, including the size and composition of our deposit portfolio and the percentage of uninsured deposits in the portfolio;
fluctuations in real estate values;
changes in accounting policies and practices;
changes in governmental regulation, including, but not limited to, any increase in FDIC insurance premiums and changes in the monetary policies of the U.S. Treasury and the Board of Governors of the Federal Reserve System;
the ability of Hanmi Bank to make distributions to Hanmi Financial Corporation, which is restricted by certain factors, including Hanmi Bank’s retained earnings, net income, prior distributions made, and certain other financial tests;
strategic transactions we may enter into, including the costs associated with the evaluation of any strategic opportunities and the overall effects of any acquisitions or dispositions we may make;
the adequacy of and changes in the economic assumptions and methodology for computing our allowance for credit losses;
our credit quality and the effect of credit quality on our credit losses expense and allowance for credit losses;
changes in the financial performance and/or condition of our borrowers and the ability of our borrowers to perform under the terms of their loans and other terms of credit agreements;
our ability to control expenses;
cyber security and fraud risks against our information technology and those of our third-party providers and vendors;
the inability of third-party service providers to perform their obligations to us; and
the ability of the Company to withstand disruptions that may be caused by any failure of the operational systems of third parties.

Investor Contacts:
Romolo (Ron) Santarosa
Senior Executive Vice President & Chief Financial Officer
213-427-5636

Lisa Fortuna
Investor Relations
Financial Profiles, Inc.
lfortuna@finprofiles.com
310-622-8251

Hanmi Financial Corporation and Subsidiaries
Consolidated Balance Sheets (Unaudited)
(Dollars in thousands)

	March 31,			December 31,			Percentage			March 31,			Percentage
	2026			2025			Change			2025			Change
Assets
Cash and due from banks	$	254,045		$	212,841			19.4	%	$	329,003			-22.8	%
Securities available for sale, at fair value		835,725			880,624			-5.1	%		907,011			-7.9	%
Loans held for sale, at the lower of cost or fair value		4,932			7,403			-33.4	%		11,831			-58.3	%
Loans, net of allowance for credit losses		6,474,998			6,493,465			-0.3	%		6,211,592			4.2	%
Accrued interest receivable		23,320			24,466			-4.7	%		23,536			-0.9	%
Premises and equipment, net		20,015			20,378			-1.8	%		20,866			-4.1	%
Customers’ liability on acceptances		-			125			-100.0	%		552			-100.0	%
Servicing assets		6,535			6,459			1.2	%		6,422			1.8	%
Goodwill and other intangible assets, net		11,031			11,031			0.0	%		11,031			0.0	%
Federal Home Loan Bank (“FHLB”) stock, at cost		16,385			16,385			0.0	%		16,385			0.0	%
Bank-owned life insurance		56,534			56,697			-0.3	%		57,476			-1.6	%
Prepaid expenses and other assets		135,707			139,311			-2.6	%		133,330			1.8	%
Total assets	$	7,839,227		$	7,869,185			-0.4	%	$	7,729,035			1.4	%

Liabilities and Stockholders’ Equity
Liabilities:
Deposits:
Noninterest-bearing	$	2,030,743		$	2,015,212			0.8	%	$	2,066,659			-1.7	%
Interest-bearing		4,769,879			4,662,438			2.3	%		4,552,816			4.8	%
Total deposits		6,800,622			6,677,650			1.8	%		6,619,475			2.7	%
Accrued interest payable		30,592			34,783			-12.0	%		29,646			3.2	%
Bank's liability on acceptances		-			125			-100.0	%		552			-100.0	%
Borrowings		-			150,000			-100.0	%		117,500			-100.0	%
Subordinated debentures		130,618			130,463			0.1	%		130,799			-0.1	%
Accrued expenses and other liabilities		74,576			79,778			-6.5	%		79,578			-6.3	%
Total liabilities		7,036,408			7,072,799			-0.5	%		6,977,550			0.8	%

Stockholders’ equity:
Common stock		34			34			0.0	%		34			0.0	%
Additional paid-in capital		595,374			594,667			0.1	%		591,942			0.6	%
Accumulated other comprehensive (loss)		(45,553	)		(43,175	)		5.5	%		(60,002	)		-24.1	%
Retained earnings		408,327			394,335			3.5	%		360,289			13.3	%
Less treasury stock		(155,363	)		(149,475	)		3.9	%		(140,778	)		10.4	%
Total stockholders’ equity		802,819			796,386			0.8	%		751,485			6.8	%
Total liabilities and stockholders’ equity	$	7,839,227		$	7,869,185			-0.4	%	$	7,729,035			1.4	%

Hanmi Financial Corporation and Subsidiaries
Consolidated Statements of Income (Unaudited)
(Dollars in thousands, except share and per share data)

	Three Months Ended
	March 31,		December 31,		Percentage			March 31,		Percentage
	2026		2025		Change			2025		Change
Interest and dividend income:
Interest and fees on loans	$	93,866	$	96,592		-2.8	%	$	90,887		3.3	%
Interest on securities		5,959		6,323		-5.8	%		6,169		-3.4	%
Dividends on FHLB stock		831		361		130.2	%		360		130.8	%
Interest on deposits in other banks		1,496		1,837		-18.6	%		1,841		-18.7	%
Total interest and dividend income		102,152		105,113		-2.8	%		99,257		2.9	%
Interest expense:
Interest on deposits		36,738		39,978		-8.1	%		40,559		-9.4	%
Interest on borrowings		676		695		-2.7	%		2,024		-66.6	%
Interest on subordinated debentures		1,535		1,561		-1.7	%		1,582		-3.0	%
Total interest expense		38,949		42,234		-7.8	%		44,165		-11.8	%
Net interest income before credit loss expense		63,203		62,879		0.5	%		55,092		14.7	%
Credit loss expense		2,892		1,943		48.8	%		2,721		6.3	%
Net interest income after credit loss expense		60,311		60,936		-1.0	%		52,371		15.2	%
Noninterest income:
Service charges on deposit accounts		2,127		2,196		-3.1	%		2,217		-4.1	%
Trade finance and other service charges and fees		1,501		1,735		-13.5	%		1,396		7.5	%
Gain on sale of Small Business Administration (“SBA”) loans		2,102		1,790		17.4	%		2,000		5.1	%
Gain on sale of residential mortgage loans		485		581		-16.5	%		175		177.1	%
Other operating income		2,324		1,997		16.4	%		1,938		19.9	%
Total noninterest income		8,539		8,299		2.9	%		7,726		10.5	%
Noninterest expense:
Salaries and employee benefits		21,956		22,472		-2.3	%		20,972		4.7	%
Occupancy and equipment		4,414		4,339		1.7	%		4,450		-0.8	%
Data processing		4,386		4,098		7.0	%		3,787		15.8	%
Professional fees		2,780		2,343		18.7	%		1,468		89.4	%
Supplies and communications		556		573		-3.0	%		517		7.5	%
Advertising and promotion		688		1,010		-31.9	%		585		17.6	%
Other operating expenses		3,588		4,274		-16.1	%		3,205		12.0	%
Total noninterest expense		38,368		39,109		-1.9	%		34,984		9.7	%
Income before tax		30,482		30,126		1.2	%		25,113		21.4	%
Income tax expense		7,925		8,887		-10.8	%		7,441		6.5	%
Net income	$	22,557	$	21,239		6.2	%	$	17,672		27.6	%

Basic earnings per share:	$	0.76	$	0.71				$	0.59
Diluted earnings per share:	$	0.75	$	0.70				$	0.58

Weighted-average shares outstanding:
Basic		29,629,130		29,694,534					29,937,660
Diluted		29,808,999		29,902,375					30,058,248
Common shares outstanding		29,806,694		29,894,757					30,233,514

Hanmi Financial Corporation and Subsidiaries
Average Balance, Average Yield Earned, and Average Rate Paid (Unaudited)
(Dollars in thousands)

	Three Months Ended
	March 31, 2026								December 31, 2025								March 31, 2025
				Interest		Average						Interest		Average						Interest		Average
	Average			Income /		Yield /			Average			Income /		Yield /			Average			Income /		Yield /
	Balance			Expense		Rate			Balance			Expense		Rate			Balance			Expense		Rate
Assets
Interest-earning assets:
Loans:
Commercial real estate ⁽¹⁾	$	3,964,174		$	55,836		5.71	%	$	4,004,348		$	57,774		5.72	%	$	3,938,099		$	54,861		5.65	%
Residential mortgage		1,035,929			14,035		5.42	%		1,043,250			14,134		5.38	%		960,862			12,750		5.38	%
Commercial and industrial ⁽¹⁾		1,024,117			16,970		6.72	%		990,279			17,467		7.00	%		797,524			15,252		7.76	%
Consumer		5,295			84		6.40	%		5,508			87		6.29	%		6,893			119		7.01	%
Equipment finance		404,801			6,941		6.86	%		412,854			7,130		6.91	%		486,153			7,905		6.50	%
Total loans ⁽¹⁾		6,434,316			93,866		5.90	%		6,456,239			96,592		5.94	%		6,189,531			90,887		5.95	%
Securities ⁽²⁾		921,065			5,959		2.62	%		955,811			6,323		2.67	%		1,001,499			6,169		2.49	%
FHLB stock		16,385			831		20.56	%		16,385			362		8.75	%		16,385			360		8.92	%
Interest-bearing deposits in other banks		171,953			1,496		3.53	%		191,731			1,836		3.80	%		176,028			1,841		4.24	%
Total interest-earning assets		7,543,719			102,152		5.48	%		7,620,166			105,113		5.48	%		7,383,443			99,257		5.45	%

Noninterest-earning assets:
Cash and due from banks		52,668								54,651								53,670
Allowance for credit losses		(69,284	)							(69,786	)							(69,648	)
Other assets		247,771								247,808								249,148

Total assets	$	7,774,874							$	7,852,839							$	7,616,613

Liabilities and Stockholders’ Equity
Interest-bearing liabilities:
Deposits:
Demand: interest-bearing	$	74,963		$	27		0.15	%	$	77,297		$	30		0.15	%	$	79,369		$	27		0.14	%
Money market and savings		2,063,186			13,082		2.57	%		2,130,616			15,130		2.82	%		2,037,224			16,437		3.27	%
Time deposits		2,522,505			23,629		3.80	%		2,506,582			24,818		3.93	%		2,345,346			24,095		4.17	%
Total interest-bearing deposits		4,660,654			36,738		3.20	%		4,714,495			39,978		3.36	%		4,461,939			40,559		3.69	%
Borrowings		69,388			675		3.94	%		64,565			695		4.27	%		179,444			2,024		4.57	%
Subordinated debentures		130,541			1,536		4.70	%		130,385			1,561		4.79	%		130,718			1,582		4.84	%
Total interest-bearing liabilities		4,860,583			38,949		3.25	%		4,909,445			42,234		3.41	%		4,772,101			44,165		3.75	%

Noninterest-bearing liabilities and equity:
Demand deposits: noninterest-bearing		1,937,628								1,969,908								1,895,953
Other liabilities		134,153								142,754								144,654
Stockholders’ equity		842,510								830,732								803,905

Total liabilities and stockholders’ equity	$	7,774,874							$	7,852,839							$	7,616,613

Net interest income				$	63,203							$	62,879							$	55,092

Cost of deposits							2.26	%							2.37	%							2.59	%
Net interest spread (taxable equivalent basis)							2.23	%							2.07	%							1.70	%
Net interest margin (taxable equivalent basis)							3.38	%							3.28	%							3.02	%



⁽¹⁾ Includes average loans held for sale
⁽²⁾ Yields calculated on a fully taxable equivalent basis using the federal tax rate in effect for the periods presented.

Non-GAAP Financial Measures

Tangible Common Equity to Tangible Assets Ratio

The following table reconciles this non-GAAP performance measure to the GAAP performance measure for the periods indicated:

Tangible Common Equity to Tangible Assets Ratio (Unaudited)
(In thousands, except share, per share data and ratios)

	March 31,			December 31,			September 30,			June 30,			March 31,
Hanmi Financial Corporation and Subsidiaries	2026			2025			2025			2025			2025
Assets	$	7,839,227		$	7,869,185		$	7,856,731		$	7,862,363		$	7,729,035
Less goodwill and other intangible assets		(11,031	)		(11,031	)		(11,031	)		(11,031	)		(11,031	)
Tangible assets	$	7,828,196		$	7,858,154		$	7,845,700		$	7,851,332		$	7,718,004

Stockholders’ equity ⁽¹⁾	$	802,819		$	796,386		$	779,550		$	762,834		$	751,485
Less goodwill and other intangible assets		(11,031	)		(11,031	)		(11,031	)		(11,031	)		(11,031	)
Tangible stockholders’ equity ⁽¹⁾	$	791,788		$	785,355		$	768,519		$	751,803		$	740,454

Stockholders’ equity to assets		10.24	%		10.12	%		9.92	%		9.70	%		9.72	%
Tangible common equity to tangible assets⁽¹⁾		10.11	%		9.99	%		9.80	%		9.58	%		9.59	%

Common shares outstanding		29,806,694			29,894,757			29,975,371			30,176,568			30,233,514
Tangible common equity per common share	$	26.56		$	26.27		$	25.64		$	24.91		$	24.49


⁽¹⁾There were no preferred shares outstanding at the periods indicated.

Preprovision Net Revenues

The following table details the Company’s preprovision net revenues, which are non-GAAP measures, for the periods indicated:

Preprovision Net Revenues (Unaudited)
(In thousands, except percentages)

											Percentage Change
Hanmi Financial Corporation and Subsidiaries	March 31,		December 31,		September 30,		June 30,		March 31,		Q1-26			Q1-26
Hanmi Financial Corporation and Subsidiaries	2026		2025		2025		2025		2025		vs. Q4-25			vs. Q1-25
Net income	$	22,557	$	21,239	$	22,061	$	15,117	$	17,672
Add back:
Credit loss expense		2,892		1,943		2,145		7,631		2,721
Income tax expense		7,925		8,887		9,396		6,115		7,441
Preprovision net revenue	$	33,374	$	32,069	$	33,602	$	28,863	$	27,834		4.1	%		19.9	%

Source: Hanmi Bank

Hanmi Financial Corporation Announces First Quarter 2026 Earnings and Conference Call Date

Tue, 07 Apr 2026 16:05:00 -0400

LOS ANGELES, April 07, 2026 (GLOBE NEWSWIRE) -- Hanmi Financial Corporation (Nasdaq: HAFC) (“Hanmi”), the holding company for Hanmi Bank, today announced that it will report first quarter 2026 financial results after the market close on Tuesday, April 21, 2026. Management will host a conference call that same day, at 2:00 p.m. Pacific Time (5:00 p.m. Eastern Time) to discuss the results.

Investment professionals and all current and prospective shareholders are invited to access the live call on April 21 by dialing 1-877-407-9039 before 2:00 p.m. Pacific Time, using access code “Hanmi Bank”. To listen to the call online visit the investor relations page of Hanmi’s website at www.hanmi.com. The webcast will also be available for replay approximately one hour following the call.

About Hanmi Financial Corporation
Headquartered in Los Angeles, California, Hanmi Financial Corporation owns Hanmi Bank, which serves multi-ethnic communities through its network of 32 full-service branches, five loan production offices and three loan centers in California, Colorado, Georgia, Illinois, New Jersey, New York, Texas, Virginia and Washington. Hanmi Bank specializes in real estate, commercial, SBA and trade finance lending to small and middle market businesses. Additional information is available at www.hanmi.com.

Contact
Romolo (Ron) Santarosa
Senior Executive Vice President & Chief Financial Officer
213-427-5636

Lisa Fortuna
Investor Relations
Financial Profiles, Inc.
310-622-8251

Source: Hanmi Bank

Hanmi Issues 2025 Annual Shareholder Letter

Thu, 05 Mar 2026 13:52:00 -0500

LOS ANGELES, March 05, 2026 (GLOBE NEWSWIRE) -- Hanmi Financial Corporation (NASDAQ: HAFC, or “Hanmi”), the parent company of Hanmi Bank (the “Bank”), today announced the release of its 2025 annual letter to shareholders entitled “Consistent Performance Through Strong Execution” authored by President and Chief Executive Officer Bonnie Lee. To view the letter please visit Hanmi Financial Corporation (HAFC).

About Hanmi Financial Corporation
Headquartered in Los Angeles, California, Hanmi Financial Corporation owns Hanmi Bank, which serves multi-ethnic communities through its network of 32 full-service branches, five loan production offices and three loan centers in California, Texas, Illinois, Virginia, New Jersey, New York, Colorado, Washington, and Georgia. Hanmi Bank specializes in real estate, commercial, SBA and trade finance lending to small and middle market businesses. Additional information is available at www.hanmi.com.

Investor Contacts:
Romolo (Ron) Santarosa
Senior Executive Vice President & Chief Financial Officer
213-427-5636

Lisa Fortuna
Investor Relations
Financial Profiles, Inc.
lfortuna@finprofiles.com
310-622-8251

Source: Hanmi Bank

Hanmi Financial to Participate in the Janney 6th Annual Bank CEO Forum

Tue, 03 Feb 2026 08:00:00 -0500

LOS ANGELES, Feb. 03, 2026 (GLOBE NEWSWIRE) -- Hanmi Financial Corporation (NASDAQ: HAFC, or “Hanmi”), the parent company of Hanmi Bank (the “Bank”), today announced its participation in the Janney 6^th Annual Bank CEO Forum on Wednesday, February 4, 2026 in Scottsdale, AZ.

Bonnie Lee, President and Chief Executive Officer, and Ron Santarosa, Chief Financial Officer, will host one-on-one and small group meetings throughout the day.

A copy of the presentation being used for meetings with institutional investors will be available in the Investor Relations section of the Company’s website at www.hanmi.com.

Investor Contacts:
Romolo (Ron) Santarosa
Senior Executive Vice President & Chief Financial Officer
213-427-5636

Lisa Fortuna
Investor Relations
Financial Profiles, Inc.
lfortuna@finprofiles.com
310-622-8251

Source: Hanmi Bank

Hanmi Financial Increases Cash Dividend 4% to $0.28 per share and Expands Repurchase Authorization

Thu, 29 Jan 2026 08:00:00 -0500

LOS ANGELES, Jan. 29, 2026 (GLOBE NEWSWIRE) -- Hanmi Financial Corporation (NASDAQ: HAFC) (“Hanmi” or the “Company”), the parent company of Hanmi Bank (the “Bank”), today announced that its Board of Directors declared a cash dividend on its common stock for the 2026 first quarter of $0.28 per share, up 4% from the prior quarter. The dividend will be paid on February 25, 2026, to stockholders of record as of the close of business on February 9, 2026. In addition, the Company announced the expansion of its existing share repurchase authorization by 1.5 million to approximately 2.3 million shares of common stock in the aggregate.

“Following a year of strong earnings growth and disciplined execution, we believe Hanmi enters 2026 well positioned to sustain our momentum,” said Bonnie Lee, President and Chief Executive Officer. “The increase in our dividend reflects the Board’s confidence in Hanmi’s financial strength and outlook. Adding 1.5 million to the remaining 837 thousand shares brings our total repurchase capacity to approximately 2.3 million shares, or 7.8% of shares outstanding, as of December 31, 2025. This expanded authorization underscores the compelling value we see in our stock and, together with the dividend increase, reinforces our commitment to enhancing stockholder returns.”

The repurchase program permits shares to be repurchased in the open market or private transactions, through block trades, and/or pursuant to any trading plan that may be adopted in accordance with Rule 10b5-1 promulgated pursuant to the Securities Exchange Act of 1934, as amended.

Repurchases will be made at management’s discretion at prices management considers to be attractive and in the best interests of both Hanmi and its stockholders, subject to the availability of stock, general market conditions, legal restrictions the trading price of the stock, alternative uses for capital, and the Company’s financial performance.

The repurchase program may be suspended, terminated or modified at any time for any reason, including market conditions, the cost of repurchasing shares, the availability of alternative investment opportunities, liquidity, and other factors deemed appropriate. These factors may also affect the timing and amount of share repurchases. The repurchase program does not obligate Hanmi to purchase any particular number of shares and there can be no assurance with respect to the amount or timing of any repurchases of our shares of common stock.

Forward-Looking Statements
This press release contains forward-looking statements, which are included in accordance with the “safe harbor” provisions of the Private Securities Litigation Reform Act of 1995. All statements other than statements of historical fact are “forward–looking statements” for purposes of federal and state securities laws, including, but not limited to, statements about our anticipated future operating and financial performance, financial position and liquidity, business strategies, regulatory and competitive outlook, investment and expenditure plans, capital and financing needs and availability, plans and objectives of management for share repurchases, future operations, developments regarding our capital and strategic plans, and other similar forecasts and statements of expectation and statements of assumption underlying any of the foregoing. In some cases, you can identify forward-looking statements by terminology such as “may,” “will,” “should,” “could,” “expects,” “plans,” “intends,” “anticipates,” “believes,” “estimates,” “predicts,” “potential,” or “continue,” or the negative of such terms and other comparable terminology. Although we believe that our forward-looking statements to be reasonable, we cannot guarantee future results, levels of activity, performance or achievements.

a failure to maintain adequate levels of capital and liquidity to support our operations;
general economic and business conditions internationally, nationally and in those areas in which we operate, including any potential recessionary conditions;
volatility and deterioration in the credit and equity markets;
changes in investor sentiment or consumer spending, borrowing and savings habits;
availability of capital from private and government sources;
demographic changes;
competition for loans and deposits and failure to attract or retain loans and deposits;
inflation and fluctuations in interest rates that reduce our margins and yields, the fair value of financial instruments, the level of loan originations or prepayments on loans we have made and make, the level of loan sales and the cost we pay to retain and attract deposits and secure other types of funding;
our ability to enter new markets successfully and capitalize on growth opportunities;
the current or anticipated impact of military conflict, terrorism, or other geopolitical events;
the effect of potential future supervisory action against us or Hanmi Bank and our ability to address any issues raised in our regulatory exams;
risks of natural disasters;
legal proceedings and litigation brought against us;
a failure in or breach of our operational or security systems or infrastructure, including cyberattacks;
the failure to maintain current technologies;
risks associated with Small Business Administration loans;
failure to attract or retain key employees;
our ability to access cost-effective funding;
the imposition of tariffs or other domestic or international governmental policies and any retaliatory responses;
the impact of a potential federal government shutdown, which may impact on our ability to effect sales of small business administration loans;
changes in liquidity, including the size and composition of our deposit portfolio and the percentage of uninsured deposits in the portfolio;
fluctuations in real estate values;
changes in accounting policies and practices;
changes in governmental regulation, including, but not limited to, any increase in FDIC insurance premiums and changes in the monetary policies of the U.S. Treasury and the Board of Governors of the Federal Reserve System;
the ability of Hanmi Bank to make distributions to Hanmi Financial Corporation, which is restricted by certain factors, including Hanmi Bank’s retained earnings, net income, prior distributions made, and certain other financial tests;
strategic transactions we may enter into, including the costs associated with the evaluation of any strategic opportunities and the overall effects of any acquisitions or dispositions we may make;
the adequacy of and changes in the economic assumptions and methodology for computing our allowance for credit losses;
our credit quality and the effect of credit quality on our credit losses expense and allowance for credit losses;
changes in the financial performance and/or condition of our borrowers and the ability of our borrowers to perform under the terms of their loans and other terms of credit agreements;
our ability to control expenses; and
cyber security and fraud risks against our information technology and those of our third-party providers and vendors.

In addition, we set forth certain risks in our reports filed with the U.S. Securities and Exchange Commission, including, Item 1A (“Risk Factors”) of our Annual Report on Form 10-K for the year ended December 31, 2024, our Quarterly Reports on Form 10-Q, and Current Reports on Form 8-K that we will file hereafter, which could cause actual results to differ from those projected. We undertake no obligation to update such forward-looking statements except as required by law.

Investor Contacts:
Romolo (Ron) Santarosa
Senior Executive Vice President & Chief Financial Officer
213-427-5636

Lisa Fortuna
Investor Relations
Financial Profiles, Inc.
lfortuna@finprofiles.com
310-622-8251

Source: Hanmi Bank