Hanmi Financial Corporation (HAFC) News

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.

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.

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.

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;
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.

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 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.

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.

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.

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)

	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

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)

	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

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 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.

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

Hanmi Reports 2025 Fourth Quarter and Full Year Results

Tue, 27 Jan 2026 16:05:00 -0500

LOS ANGELES, Jan. 27, 2026 (GLOBE NEWSWIRE) -- Hanmi Financial Corporation (NASDAQ: HAFC or “Hanmi”), the parent company of Hanmi Bank (the “Bank”), today reported financial results for the fourth quarter of 2025 and full year.

Net income for the fourth quarter of 2025 was $21.2 million, or $0.70 per diluted share, compared with $22.1 million, or $0.73 per diluted share, for the third quarter of 2025. The return on average assets for the fourth quarter of 2025 was 1.07% and the return on average equity was 10.14%, compared with a return on average assets of 1.12% and a return on average equity of 10.69% for the third quarter of 2025.

For the full year of 2025, net income was $76.1 million, or $2.51 per diluted share, compared with $62.2 million, or $2.05 per diluted share, for 2024. The return on average assets for 2025 was 0.98% and the return on average equity was 9.32%, compared with a return on average assets and a return on average equity of 0.83% and 7.97%, respectively, for 2024.

CEO Commentary

“Hanmi delivered solid results in the fourth quarter, enabling us to finish 2025 with sustained momentum,” said Bonnie Lee, President and Chief Executive Officer. “We generated robust earnings growth of 22% for the year, driven by continued net interest margin expansion, healthy loan growth, and disciplined expense and credit management. These consistent results underscore the effectiveness of our relationship-driven banking model.”

“Throughout the year, we advanced several key initiatives that further enhanced our growth and diversification strategy. Investments in banking talent drove a 36% increase in loan production. The composition of our loan portfolio continues to evolve with C&I and residential mortgage loans increasing 25% and 10% for the year, respectively. Our noninterest bearing demand deposits represent 30% of total deposits, reinforcing the stability of our customer base and our credit quality remains strong, with nonperforming loans representing 0.28% of total loans.”

“We are excited about the opportunities ahead in 2026 and beyond and believe we are well positioned to continue delivering on our growth strategy. Our balance sheet is strong, with ample liquidity and excellent capital ratios. We anticipate solid loan and deposit growth, further net interest margin expansion, well managed expenses and stable asset quality to drive consistent performance and long-term value for our shareholders in the coming year,” concluded Lee.

Fourth Quarter 2025 Highlights:

Net income was $21.2 million, or $0.70 per diluted share, down 3.7% from the third quarter, partially due to lower noninterest income of $1.6 million primarily related to a decrease in income on bank owned life insurance. Additionally, while noninterest expense increased $1.8 million due to higher salaries and professional fees, this was offset by an increase in net interest income of $1.8 million driven by lower cost of deposits.
Net interest income continued to grow, increasing 2.9% from the prior quarter due to lower interest expense as the average rate on interest-bearing deposits declined 20 basis points. Although the yield on average loans declined by nine basis points, the average balance of loans increased 2%. This resulted in another quarter of net interest margin expansion (taxable equivalent) of six basis points to 3.28%.
Return on average assets and return on average equity during the quarter were healthy at 1.07% and 10.14%, respectively.
Asset quality remained strong as nonperforming assets to total assets was 0.26%, an improvement of one basis point from the prior quarter. Nonperforming loans to total loans was 0.28%, an improvement of two basis points from the prior quarter and credit loss expense was $1.9 million, compared to $2.1 million in the prior quarter.
Loans receivable increased to $6.56 billion, up 0.5% from the end of the prior quarter. Loan production was $374.8 million, with a weighted average interest rate of 6.90% compared to the weighted average interest rate of 6.46% for payoffs.
Deposits were $6.68 billion, down 1.3% from the prior quarter, however noninterest-bearing demand deposits, which demonstrate the stability of the customer base, represented 30.2% of total deposits.
Hanmi's capital position remained strong with a ratio of tangible common equity to tangible assets¹ of 9.99% while the Company returned $10.1 million of capital to shareholders in the form of share repurchases and dividends ($2.0 million in share repurchases and $8.1 million of dividends).

For more information about Hanmi, please see the Q4 2025 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
	Dec 31			Sep 30			Jun 30,			Mar 31,			Dec 31,			Q4-25			Q4-25
	2025			2025			2025			2025			2024			vs. Q3-25			vs. Q4-24

Net income	$	21,239		$	22,061		$	15,117		$	17,672		$	17,695		$	(822	)	$	3,544
Net income per diluted common share	$	0.70		$	0.73		$	0.50		$	0.58		$	0.58		$	(0.03	)	$	0.12

Assets	$	7,869,185		$	7,856,731		$	7,862,363		$	7,729,035		$	7,677,925		$	12,454		$	191,260
Loans receivable	$	6,563,367		$	6,528,259		$	6,305,957		$	6,282,189		$	6,251,377		$	35,108		$	311,990
Deposits	$	6,677,650		$	6,766,639		$	6,729,122		$	6,619,475		$	6,435,776		$	(88,989	)	$	241,874

Return on average assets		1.07	%		1.12	%		0.79	%		0.94	%		0.93	%		-0.05			0.14
Return on average stockholders' equity		10.14	%		10.69	%		7.48	%		8.92	%		8.89	%		-0.55			1.25

Net interest margin		3.28	%		3.22	%		3.07	%		3.02	%		2.91	%		0.06			0.37
Efficiency ratio ⁽¹⁾		54.95	%		52.65	%		55.74	%		55.69	%		56.79	%		2.30			-1.84

Tangible common equity to tangible assets ⁽²⁾		9.99	%		9.80	%		9.58	%		9.59	%		9.41	%		0.19			0.58
Tangible common equity per common share ⁽²⁾	$	26.27		$	25.64		$	24.91		$	24.49		$	23.88			0.63			2.39


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

_____________________
¹ See Non-GAAP Financial Measures provided at the end of this news release.

Results of Operations
Net interest income for the fourth quarter increased $1.8 million, or 2.9%, to $62.9 million from $61.1 million for the third quarter, principally because of lower interest expense on interest-bearing deposits. Interest income on interest-earning assets was $105.1 million for the fourth quarter, down $0.1 million from the third quarter. Interest expense on interest-bearing liabilities, however, declined $1.9 million from the previous quarter to $42.2 million because of a 20 basis point decrease in the average rate on interest-bearing deposits.

The average yield on loans for the fourth quarter was 5.94%, down nine basis points from the previous quarter; however, the average balance of loans increased 2.4% to $6.46 billion. The average rate on interest-bearing deposits was 3.36%, down 20 basis points from the third quarter as the average balance of interest-bearing deposits remained relatively unchanged with an increase of 0.2% to $4.71 billion.

For the fourth quarter, net interest margin (taxable-equivalent) was 3.28%, up six basis points from the third quarter. Lower yields on securities and interest-bearing deposits at other banks contributed to a six basis point decline in net interest margin while the improvement in the average rate on interest-bearing liabilities provided a 12 basis point benefit. Net interest margin also benefited by approximately two basis points from an interest-recovery on a previously charged-off loan and loans returning to accrual status, while third quarter net interest margin benefited three basis points from similar activity.

On a full-year basis, net interest income in 2025 was $236.2 million, compared with $202.8 million for 2024, an increase of 16.5%, or $33.4 million. The increase reflects the benefit of lower market interest rates on interest-bearing deposits as well as growth in the average balance of loans. The average rate on interest-bearing deposits for 2025 was 3.56%, 60 basis points lower than the previous year, while the average balance increased 5.5% to $4.63 billion. The average balance of deposits increased 4.1% to $6.57 billion. Average loan yields for 2025, however, were 5.96%, and were not meaningfully affected by the changes in market interest rates. Average loans increased 3.1% to $6.30 billion.

Net interest margin (taxable-equivalent) for 2025 was 3.15% compared with 2.78% for 2024. The 37 basis point increase in the net interest margin primarily reflected the 35 basis point benefit of lower average rates on interest-bearing liabilities.

	For the Three Months Ended (in thousands)										Percentage Change
	Dec 31,		Sep 30,		Jun 30,		Mar 31,		Dec 31,		Q4-25			Q4-25
Net Interest Income	2025		2025		2025		2025		2024		vs. Q3-25			vs. Q4-24

Interest and fees on loans receivable⁽¹⁾	$	96,592	$	95,691	$	92,589	$	90,887	$	91,545		0.9	%		5.5	%
Interest on securities		6,323		6,592		6,261		6,169		5,866		-4.1	%		7.8	%
Dividends on FHLB stock		361		357		354		360		360		1.1	%		0.3	%
Interest on deposits in other banks		1,837		2,586		2,129		1,841		2,342		-29.0	%		-21.6	%
Total interest and dividend income	$	105,113	$	105,226	$	101,333	$	99,257	$	100,113		-0.1	%		5.0	%

Interest on deposits		39,978		42,244		41,924		40,559		43,406		-5.4	%		-7.9	%
Interest on borrowings		695		324		684		2,024		1,634		114.5	%		-57.5	%
Interest on subordinated debentures		1,561		1,579		1,586		1,582		1,624		-1.1	%		-3.9	%
Total interest expense		42,234		44,147		44,194		44,165		46,664		-4.3	%		-9.5	%
Net interest income	$	62,879	$	61,079	$	57,139	$	55,092	$	53,449		2.9	%		17.6	%

⁽¹⁾Includes loans held for sale.

	For the Three Months Ended (in thousands)										Percentage Change
Average Earning Assets and Interest-bearing Liabilities	Dec 31,		Sep 30,		Jun 30,		Mar 31,		Dec 31,		Q4-25			Q4-25
Average Earning Assets and Interest-bearing Liabilities	2025		2025		2025		2025		2024		vs. Q3-25			vs. Q4-24
Loans receivable ⁽¹⁾	$	6,456,239	$	6,304,435	$	6,257,741	$	6,189,531	$	6,103,264		2.4	%		5.8	%
Securities		955,811		985,888		993,975		1,001,499		998,313		-3.1	%		-4.3	%
FHLB stock		16,385		16,385		16,385		16,385		16,385		0.0	%		0.0	%
Interest-bearing deposits in other banks		191,731		239,993		200,266		176,028		204,408		-20.1	%		-6.2	%
Average interest-earning assets	$	7,620,166	$	7,546,701	$	7,468,367	$	7,383,443	$	7,322,370		1.0	%		4.1	%

Demand: interest-bearing	$	77,297	$	86,839	$	81,308	$	79,369	$	79,784		-11.0	%		-3.1	%
Money market and savings		2,130,616		2,122,967		2,109,221		2,037,224		1,934,540		0.4	%		10.1	%
Time deposits		2,506,582		2,494,285		2,434,659		2,345,346		2,346,363		0.5	%		6.8	%
Average interest-bearing deposits		4,714,495		4,704,091		4,625,188		4,461,939		4,360,687		0.2	%		8.1	%
Borrowings		64,565		27,772		60,134		179,444		141,604		132.5	%		-54.4	%
Subordinated debentures		130,385		130,766		130,880		130,718		130,567		-0.3	%		-0.1	%
Average interest-bearing liabilities	$	4,909,445	$	4,862,629	$	4,816,202	$	4,772,101	$	4,632,858		1.0	%		6.0	%

Average Noninterest Bearing Deposits
Demand deposits - noninterest bearing	$	1,969,908	$	1,960,331	$	1,934,985	$	1,895,953	$	1,967,789		0.5	%		0.1	%

⁽¹⁾Includes loans held for sale.

	For the Three Months Ended															Yield/Rate Change
	Dec 31,			Sep 30,			Jun 30,			Mar 31,			Dec 31,			Q4-25		Q4-25
Average Yields and Rates	2025			2025			2025			2025			2024			vs. Q3-25		vs. Q4-24
Loans receivable⁽¹⁾		5.94	%		6.03	%		5.93	%		5.95	%		5.97	%		-0.09		-0.03
Securities ⁽²⁾		2.67	%		2.70	%		2.55	%		2.49	%		2.38	%		-0.03		0.29
FHLB stock		8.75	%		8.65	%		8.65	%		8.92	%		8.75	%		0.10		0.00
Interest-bearing deposits in other banks		3.80	%		4.27	%		4.26	%		4.24	%		4.56	%		-0.47		-0.76
Interest-earning assets		5.48	%		5.54	%		5.44	%		5.45	%		5.45	%		-0.06		0.03

Interest-bearing deposits		3.36	%		3.56	%		3.64	%		3.69	%		3.96	%		-0.20		-0.60
Borrowings		4.27	%		4.63	%		4.58	%		4.57	%		4.59	%		-0.36		-0.32
Subordinated debentures		4.79	%		4.83	%		4.84	%		4.84	%		4.97	%		-0.04		-0.18
Interest-bearing liabilities		3.41	%		3.60	%		3.68	%		3.75	%		4.01	%		-0.19		-0.60

Net interest margin (taxable equivalent basis)		3.28	%		3.22	%		3.07	%		3.02	%		2.91	%		0.06		0.37

Cost of deposits		2.37	%		2.51	%		2.56	%		2.59	%		2.73	%		-0.14		-0.36

⁽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 fourth quarter was $1.9 million, compared with $2.1 million for the third quarter of 2025. Fourth quarter credit loss expense included $1.7 million for loan losses and $0.2 million for off-balance sheet items. Third quarter credit loss expense of $2.1 million included a $2.5 million credit loss expense for loan losses and a $0.4 million credit loss recovery for off-balance sheet items.

Credit loss expense was $14.4 million for 2025, compared with $4.4 million for 2024. The credit loss expense for 2025 included a $14.2 million credit loss expense for loan losses and a $0.2 million credit loss recovery for off-balance sheet items. 2024 credit loss expense included a $4.8 million credit loss expense for loans and a $0.4 million credit loss recovery for off-balance sheet items. The increase for 2025 primarily reflects an $8.6 million charge-off of a syndicated commercial real estate office loan during the second quarter of 2025.

Noninterest income was $8.3 million for the fourth quarter, down $1.6 million, or 16.0%, from the third quarter. The decrease was primarily due to the absence of $0.9 million of death benefit claims from bank-owned life insurance policies and a $0.6 million decline in gain on the sale of residential mortgage loans. Gain on sale of SBA loans was $1.8 million for the fourth quarter of 2025, compared with $1.9 million for the third quarter of 2025. The volume of SBA loans sold for the fourth quarter decreased to $29.9 million from $32.6 million for the third quarter of 2025, while trade premiums were 7.40% for the fourth quarter of 2025 compared with 6.95% for the third quarter.

Noninterest income was $34.0 million for the full year of 2025, an increase of $2.4 million, or 7.6%, from $31.6 million for 2024. The increase was primarily due to a $1.7 million increase in gain on the sale of SBA loans, a $1.0 million increase in bank-owned life insurance income from death benefit claims, and a $0.8 million increase in trade finance and other service charges and fees. These items were partially offset by the absence of the $0.9 million gain on sale of a bank branch in 2024. The volume of SBA loans sold for 2025 increased to $130.0 million from $93.7 million for 2024, while trade premiums decreased to 7.45% for 2025, from 8.18% for 2024.

	For the Three Months Ended (in thousands)										Percentage Change
	Dec 31,		Sep 30,		Jun 30,		Mar 31,		Dec 31,		Q4-25			Q4-25
Noninterest Income	2025		2025		2025		2025		2024		vs. Q3-25			vs. Q4-24
Service charges on deposit accounts	$	2,196	$	2,160	$	2,169	$	2,217	$	2,192		1.7	%		0.2	%
Trade finance and other service charges and fees		1,735		1,551		1,461		1,396		1,364		11.9	%		27.2	%
Servicing income		924		924		754		732		668		0.0	%		38.3	%
Bank-owned life insurance income		315		1,259		708		309		316		-75.0	%		-0.3	%
All other operating income		758		973		819		897		1,037		-22.1	%		-26.9	%
Service charges, fees & other		5,928		6,867		5,911		5,551		5,577		-13.7	%		6.3	%

Gain on sale of SBA loans		1,790		1,857		2,160		2,000		1,443		-3.6	%		24.0	%
Gain on sale of residential mortgage loans		581		1,156		-		175		337		-49.7	%		72.4	%
Total noninterest income	$	8,299	$	9,880	$	8,071	$	7,726	$	7,357		-16.0	%		12.8	%

Noninterest expense for the fourth quarter, before other-real-estate-owned and repossessed personal property expenses, increased 3.5% to $38.6 million from $37.3 million because of seasonally higher advertising and promotion expense, as well as an increase in personnel and higher professional fees and data processing expenses. Other-real-estate-owned expense included the first full quarter of operating expenses, as well as $0.3 million of past-due property taxes, for a hospitality property. The efficiency ratio for the fourth quarter was 54.95%, compared with 52.65% for the third quarter of 2025.

Noninterest expense increased by $6.5 million, or 4.6%, to $147.8 million for the full year of 2025 from $141.3 million for 2024. The increase reflected a $4.3 million increase in salaries and benefits due to merit increases and investment in new talent, the absence of a $1.6 million gain from the 2024 sale of other-real-estate-owned, an increase of $1.0 million in other operating expenses for higher loan-related and deposit-related expenses, and an increase of $0.6 million in data processing expense. Partially offsetting this increase was lower repossessed personal property expense of $0.9 million. The efficiency ratio for full-year 2025 decreased to 54.71%, from 60.31% for 2024.

	For the Three Months Ended (in thousands)													Percentage Change
	Dec 31,		Sep 30,		Jun 30,			Mar 31,			Dec 31,			Q4-25			Q4-25
	2025		2025		2025			2025			2024			vs. Q3-25			vs. Q4-24
Noninterest Expense
Salaries and employee benefits	$	22,472	$	22,163	$	22,069		$	20,972		$	20,498			1.4	%		9.6	%
Occupancy and equipment		4,339		4,507		4,344			4,450			4,503			-3.7	%		-3.6	%
Data processing		4,098		3,860		3,727			3,787			3,800			6.2	%		7.8	%
Professional fees		2,343		1,978		1,725			1,468			1,821			18.5	%		28.7	%
Supplies and communication		573		423		515			517			551			35.5	%		4.0	%
Advertising and promotion		1,010		712		798			585			821			41.9	%		23.0	%
All other operating expenses		3,795		3,665		3,567			3,175			3,847			3.6	%		-1.3	%
Subtotal		38,630		37,308		36,745			34,954			35,841			3.5	%		7.8	%

Other real estate owned expense (income)		474		17		(461	)		41			(1,588	)		2688.2	%		129.8	%
Repossessed personal property expense (income)		5		32		63			(11	)		281			-84.4	%		-98.2	%
Total noninterest expense	$	39,109	$	37,357	$	36,347		$	34,984		$	34,534			4.7	%		13.3	%

Hanmi recorded a provision for income taxes of $8.9 million for the fourth quarter of 2025, compared with $9.4 million for the third quarter of 2025, representing effective tax rates of 29.5% and 29.9%, respectively. For the years ended December 31, 2025, and 2024, the provision for income taxes was $31.8 million and $26.4 million, representing effective tax rates of 29.5% and 29.8%, respectively.

Financial Position
Total assets at December 31, 2025, were $7.87 billion, a 0.2% increase from $7.86 billion at September 30, 2025. This increase was primarily due to a $35.1 million, or 0.5% increase in loans receivable, before the allowance for credit losses, which was partially offset by a $24.1 million decrease in securities available for sale.

	As of (in thousands)										Percentage Change
	Dec 31,		Sep 30,		Jun 30,		Mar 31,		Dec 31,		Q4-25			Q4-25
	2025		2025		2025		2025		2024		vs. Q3-25			vs. Q4-24
Loan Portfolio
Commercial real estate loans	$	4,030,105	$	4,015,291	$	3,948,922	$	3,975,651	$	3,949,622		0.4	%		2.0	%
Residential/consumer loans		1,049,872		1,043,577		993,869		979,536		951,302		0.6	%		10.4	%
Commercial and industrial loans		1,074,907		1,052,522		917,995		854,406		863,431		2.1	%		24.5	%
Equipment finance		408,483		416,869		445,171		472,596		487,022		-2.0	%		-16.1	%
Loans receivable		6,563,367		6,528,259		6,305,957		6,282,189		6,251,377		0.5	%		5.0	%
Loans held for sale		7,403		6,512		49,611		11,831		8,579		13.7	%		-13.7	%
Total	$	6,570,770	$	6,534,771	$	6,355,568	$	6,294,020	$	6,259,956		0.6	%		5.0	%

	As of
	Dec 31,			Sep 30,			Jun 30,			Mar 31,			Dec 31,
	2025			2025			2025			2025			2024
Composition of Loan Portfolio
Commercial real estate loans		61.3	%		61.4	%		62.2	%		63.1	%		63.1	%
Residential/consumer loans		16.0	%		16.0	%		15.6	%		15.6	%		15.2	%
Commercial and industrial loans		16.4	%		16.1	%		14.4	%		13.6	%		13.8	%
Equipment finance		6.2	%		6.4	%		7.0	%		7.5	%		7.8	%
Loans receivable		99.9	%		99.9	%		99.2	%		99.8	%		99.9	%
Loans held for sale		0.1	%		0.1	%		0.8	%		0.2	%		0.1	%
Total		100.0	%		100.0	%		100.0	%		100.0	%		100.0	%

New loan production was $374.8 million for the fourth quarter of 2025 with a weighted average rate of 6.90%, while payoffs were $123.1 million during the quarter at an average interest rate of 6.46%.

New loan production for full-year 2025 was $1.62 billion, an increase of 35.7% or $426.5 million, from $1.19 billion for the full year of 2024. The average rate for new loan production for 2025 was 7.04% compared with 7.87% for 2024. Payoffs for 2025 were $510.3 million at an average rate of 6.64% compared with $450.2 million at an average rate of 7.34% for 2024.

	For the Three Months Ended (in thousands)
	Dec 31,			Sep 30,			Jun 30,			Mar 31,			Dec 31,
	2025			2025			2025			2025			2024
New Loan Production
Commercial real estate loans	$	125,866		$	176,826		$	111,993		$	146,606		$	146,716
Residential/consumer loans		70,268			103,247			83,761			55,000			40,225
Commercial and industrial loans		82,079			211,454			53,444			42,344			60,159
SBA loans		44,065			44,931			46,829			55,242			49,740
Equipment finance		52,521			34,315			33,567			46,749			42,168
Subtotal		374,799			570,773			329,594			345,941			339,008


Payoffs		(123,086	)		(142,963	)		(119,139	)		(125,102	)		(137,933	)
Amortization		(133,992	)		(60,939	)		(151,357	)		(90,743	)		(60,583	)
Loan sales		(63,642	)		(100,452	)		(35,388	)		(42,193	)		(67,852	)
Net line utilization		(16,072	)		(39,497	)		12,435			(53,901	)		(75,651	)
Charge-offs & OREO		(2,899	)		(4,620	)		(12,377	)		(3,190	)		(3,356	)

Loans receivable-beginning balance		6,528,259			6,305,957			6,282,189			6,251,377			6,257,744
Loans receivable-ending balance	$	6,563,367		$	6,528,259		$	6,305,957		$	6,282,189		$	6,251,377

Deposits were $6.68 billion at the end of the fourth quarter of 2025, a decrease of $89.0 million, or 1.3%, from $6.77 billion at the end of the prior quarter. The change reflects an $84.0 million decrease in demand deposits and a $9.8 million decrease in money market and savings, partially offset by a $4.8 million increase in time deposits. Noninterest-bearing demand deposits represented 30.2% of total deposits at December 31, 2025, compared with 30.8% for the previous quarter and the ratio of average loans to average deposits for the fourth quarter was 96.6%, compared with 94.6% for the previous quarter.

	As of (in thousands)										Percentage Change
	Dec 31,		Sep 30,		Jun 30,		Mar 31,		Dec 31,		Q4-25			Q4-25
	2025		2025		2025		2025		2024		vs. Q3-25			vs. Q4-24
Deposit Portfolio
Demand: noninterest-bearing	$	2,015,212	$	2,087,132	$	2,105,369	$	2,066,659	$	2,096,634		-3.4	%		-3.9	%
Demand: interest-bearing		74,799		86,834		90,172		80,790		80,323		-13.9	%		-6.9	%
Money market and savings		2,084,218		2,094,028		2,092,847		2,073,943		1,933,535		-0.5	%		7.8	%
Time deposits		2,503,421		2,498,645		2,440,734		2,398,083		2,325,284		0.2	%		7.7	%
Total deposits	$	6,677,650	$	6,766,639	$	6,729,122	$	6,619,475	$	6,435,776		-1.3	%		3.8	%

	As of
	Dec 31,			Sep 30,			Jun 30,			Mar 31,			Dec 31,
	2025			2025			2025			2025			2024
Composition of Deposit Portfolio
Demand: noninterest-bearing		30.2	%		30.8	%		31.3	%		31.2	%		32.6	%
Demand: interest-bearing		1.1	%		1.3	%		1.3	%		1.2	%		1.2	%
Money market and savings		31.2	%		31.0	%		31.1	%		31.3	%		30.0	%
Time deposits		37.5	%		36.9	%		36.3	%		36.3	%		36.2	%
Total deposits		100.0	%		100.0	%		100.0	%		100.0	%		100.0	%

Stockholders’ equity at December 31, 2025, was $796.4 million, up $16.8 million from $779.6 million at September 30, 2025. The increase included net income, net of dividends paid, of $13.1 million for the fourth quarter. In addition, the increase in stockholders' equity included a $6.5 million decrease in unrealized after-tax losses on securities available for sale due to changes in interest rates during the fourth quarter of 2025. Hanmi also repurchased 73,600 shares of common stock at an average share price of $26.75 with an aggregate cost of $2.0 million during the quarter. At December 31, 2025, 837,202 shares remain under Hanmi’s share repurchase program. Tangible common stockholders’ equity was $785.4 million, or 9.99% of tangible assets at December 31, 2025, compared with $768.5 million, or 9.80% of tangible assets at the end of the prior 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 continues to exceed the minimum for the “well capitalized” category. At December 31, 2025, Hanmi’s preliminary common equity tier 1 capital ratio was 12.05% and its total risk-based capital ratio was 15.06%, compared with 12.00% and 15.05%, respectively, at the end of the prior quarter.

	As of															Ratio Change
	Dec 31,			Sep 30,			Jun 30,			Mar 31,			Dec 31,			Q4-25		Q4-25
	2025			2025			2025			2025			2024			vs. Q3-25		vs. Q4-24
Regulatory Capital ratios⁽¹⁾
Hanmi Financial
Total risk-based capital		15.06	%		15.05	%		15.20	%		15.28	%		15.24	%		0.01		-0.18
Tier 1 risk-based capital		12.37	%		12.33	%		12.46	%		12.46	%		12.46	%		0.04		-0.09
Common equity tier 1 capital		12.05	%		12.00	%		12.12	%		12.12	%		12.11	%		0.05		-0.06
Tier 1 leverage capital ratio		10.70	%		10.64	%		10.63	%		10.67	%		10.63	%		0.06		0.07
Hanmi Bank
Total risk-based capital		14.25	%		14.28	%		14.39	%		14.47	%		14.43	%		-0.03		-0.18
Tier 1 risk-based capital		13.17	%		13.20	%		13.32	%		13.34	%		13.36	%		-0.03		-0.19
Common equity tier 1 capital		13.17	%		13.20	%		13.32	%		13.34	%		13.36	%		-0.03		-0.19
Tier 1 leverage capital ratio		11.47	%		11.46	%		11.43	%		11.49	%		11.47	%		0.01		0.00

⁽¹⁾Preliminary ratios for December 31, 2025

Asset Quality
Loans 30 to 89 days past due and still accruing were 0.27% of loans at the end of the fourth quarter of 2025, compared with 0.18% at the end of the prior quarter and 0.30% at the end of the prior year.

Criticized loans totaled $97.0 million, or 1.48% of loans at December 31, 2025, up from $45.4 million, or 0.69% of loans at the end of the prior quarter. At December 31, 2024, criticized loans were $165.3 million, or 2.64% of loans. The fourth quarter change included a $54.3 million increase in special mention loans, offset by a $2.7 million decrease in classified loans. The increase in special mention loans was driven by $56.4 million in downgrades of pass-rated loans which included a $55.0 million hospitality loan, offset by $1.9 million in upgrades and $0.2 million in paydowns. The decrease in classified loans included $2.7 million of charge-offs, $2.3 million of paydowns and payoffs, and $0.7 million in upgrades, partially offset by $3.0 million of downgrades into the classified category. Of the $2.7 million in charge-offs, $1.9 million were equipment finance agreements. Of the $3.0 million in downgrades into the classified category, $1.9 million were equipment finance agreements.

Nonperforming loans were $18.1 million, or 0.28% of loans at December 31, 2025, down from $19.4 million, or 0.30% at the end of the prior quarter. At the end of last year, nonperforming loans were 0.23% of loans. The $1.3 million fourth quarter decrease reflected $2.2 million of charge-offs, $1.9 million of payoffs and paydowns, and $0.7 million of loans that were upgraded to performing loans. Of the $2.2 million of charge-offs, $1.9 million were equipment finance agreements. These declines were partially offset by $3.6 million of additions resulting from loans downgraded to non-performing status, of which $1.9 million were equipment financing agreements.

Nonperforming assets were $20.1 million at December 31, 2025, down from $21.4 million at the end of the prior quarter, which reflected the decrease in nonperforming loans. As a percentage of total assets, nonperforming assets were 0.26% at December 31, 2025, 0.27% at September 30, 2025, and 0.19% at December 31, 2024.

Gross charge-offs for the fourth quarter of 2025 were $2.9 million, compared with $2.6 million for the preceding quarter. Charge-offs during the fourth quarter included $2.0 million of equipment finance agreements. Recoveries of previously charged-off loans were $1.3 million in the fourth quarter of 2025, which included a $0.6 million recovery on a previously charged-off commercial line of credit and $0.6 million of recoveries on equipment financing agreements. As a result, there were $1.6 million of net charge-offs for the fourth quarter of 2025, or 0.10% of average loans annualized, compared to net recoveries of $0.5 million, or -0.03% for the prior quarter. For the 2025-year, net charge-offs were 0.23% of average loans compared with 0.07% for the prior year.

The allowance for credit losses was $69.9 million at December 31, 2025, compared with $69.8 million at September 30, 2025. Collectively evaluated allowances increased $1.2 million and specific allowances for loans decreased $1.1 million. The increase in the collectively evaluated allowance was due to an increase in qualitative loss factors. The ratio of the allowance for credit losses to loans was 1.07% at both December 31, 2025, and September 30, 2025. The ratio was 1.12% at year-end 2024.

	As of or for the Three Months Ended (in thousands)															Amount Change
	Dec 31,			Sep 30,			Jun 30,			Mar 31,			Dec 31,			Q4-25			Q4-25
	2025			2025			2025			2025			2024			vs. Q3-25			vs. Q4-24
Asset Quality Data and Ratios

Delinquent loans:
Loans, 30 to 89 days past due and still accruing	$	17,610		$	11,560		$	10,953		$	17,312		$	18,454		$	6,050		$	(844	)
Delinquent loans to total loans		0.27	%		0.18	%		0.17	%		0.28	%		0.30	%		0.09			(0.03	)

Criticized loans:
Special mention	$	71,113		$	16,775		$	12,700		$	118,380		$	139,613		$	54,338		$	(68,500	)
Classified		25,891			28,590			33,857			46,519			25,683			(2,699	)		208
Total criticized loans⁽¹⁾	$	97,004		$	45,365		$	46,557		$	164,899		$	165,296		$	51,639		$	(68,292	)

Criticized loans to total loans		1.48	%		0.69	%		0.74	%		2.62	%		2.64	%		0.79			(1.16	)

Nonperforming assets:
Nonaccrual loans	$	18,112		$	19,369		$	25,967		$	35,458		$	14,272		$	(1,257	)	$	3,840
Loans 90 days or more past due and still accruing		-			-			-			112			-			-			-
Nonperforming loans		18,112			19,369			25,967			35,570			14,272			(1,257	)		3,840
Other real estate owned, net		1,980			1,995			-			117			117			(15	)		1,863
Nonperforming assets⁽²⁾	$	20,092		$	21,364		$	25,967		$	35,687		$	14,389		$	(1,272	)	$	5,703

Nonperforming assets to total assets		0.26	%		0.27	%		0.33	%		0.46	%		0.19	%		-0.01			0.07
Nonperforming loans to total loans		0.28	%		0.30	%		0.41	%		0.57	%		0.23	%		-0.02			0.05

⁽¹⁾ Includes nonaccrual loans of $18.1 million, $19.4 million, $24.1 million, $34.4 million, and $13.4 million as of Q4-25, Q3-25, Q2-25, Q1-25, and Q4-24, respectively.
⁽²⁾ Excludes repossessed personal property of $0.6 million, $0.4 million, $0.6 million, $0.7 million, and $0.6 million as of Q4-25, Q3-25, Q2-25, Q1-25, and Q4-24, respectively.

	As of or for the Three Months Ended (in thousands)
	Dec 31,			Sep 30,			Jun 30,			Mar 31,			Dec 31,
	2025			2025			2025			2025			2024
Allowance for credit losses related to loans:
Balance at beginning of period	$	69,781		$	66,756		$	70,597		$	70,147		$	69,163
Credit loss expense (recovery) on loans		1,701			2,543			7,523			2,396			855
Net loan (charge-offs) recoveries		(1,579	)		482			(11,364	)		(1,946	)		129
Balance at end of period	$	69,903		$	69,781		$	66,756		$	70,597		$	70,147

Net loan charge-offs (recoveries) to average loans ⁽¹⁾		0.10	%		-0.03	%		0.73	%		0.13	%		-0.01	%
Allowance for credit losses to loans		1.07	%		1.07	%		1.06	%		1.12	%		1.12	%

Allowance for credit losses related to off-balance sheet items:
Balance at beginning of period	$	2,107		$	2,506		$	2,399		$	2,074		$	1,984
Credit loss expense (recovery) on off-balance sheet items		242			(399	)		107			325			90
Balance at end of period	$	2,349		$	2,107		$	2,506		$	2,399		$	2,074

Unused commitments to extend credit	$	930,122		$	952,475		$	915,847		$	896,282		$	782,587

⁽¹⁾Annualized

Corporate Developments
On October 24, 2025, Hanmi’s Board of Directors declared a cash dividend on its common stock for the 2025 fourth quarter of $0.27 per share. Hanmi paid the dividend on November 20, 2025, to stockholders of record as of the close of business on November 4, 2025.

Earnings Conference Call
Hanmi Bank will host its fourth quarter 2025 earnings conference call today, January 27, 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, 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.

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;
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 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


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

	December 31,			September 30,			Percentage			December 31,			Percentage
	2025			2025			Change			2024			Change
Assets
Cash and due from banks	$	212,841		$	215,654			-1.3	%	$	304,800			-30.2	%
Securities available for sale, at fair value		880,624			904,721			-2.7	%		905,798			-2.8	%
Loans held for sale, at the lower of cost or fair value		7,403			6,512			13.7	%		8,579			-13.7	%
Loans receivable, net of allowance for credit losses		6,493,465			6,458,478			0.5	%		6,181,230			5.1	%
Accrued interest receivable		24,466			23,986			2.0	%		22,937			6.7	%
Premises and equipment, net		20,378			20,340			0.2	%		21,404			-4.8	%
Customers' liability on acceptances		125			342			-63.5	%		1,226			89.8	%
Servicing assets		6,459			6,484			-0.4	%		6,457			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		56,697			56,382			0.6	%		57,168			-0.8	%
Prepaid expenses and other assets		139,311			136,416			2.1	%		140,910			-1.1	%
Total assets	$	7,869,185		$	7,856,731			0.2	%	$	7,677,925			2.5	%

Liabilities and Stockholders' Equity
Liabilities:
Deposits:
Noninterest-bearing	$	2,015,212		$	2,087,132			-3.4	%	$	2,096,634			-3.9	%
Interest-bearing		4,662,438			4,679,507			-0.4	%		4,339,142			7.5	%
Total deposits		6,677,650			6,766,639			-1.3	%		6,435,776			3.8	%
Accrued interest payable		34,783			34,219			1.6	%		34,824			-0.1	%
Bank's liability on acceptances		125			342			-63.5	%		1,226			89.8	%
Borrowings		150,000			62,500			140.0	%		262,500			-42.9	%
Subordinated debentures		130,463			130,309			0.1	%		130,638			-0.1	%
Accrued expenses and other liabilities		79,778			83,172			-4.1	%		80,787			-1.2	%
Total liabilities		7,072,799			7,077,181			-0.1	%		6,945,751			1.8	%

Stockholders' equity:
Common stock		34			34			0.0	%		34			0.0	%
Additional paid-in capital		594,667			593,768			0.2	%		591,069			0.6	%
Accumulated other comprehensive (loss)		(43,175	)		(47,959	)		10.0	%		(70,723	)		39.0	%
Retained earnings		394,335			381,183			3.5	%		350,869			12.4	%
Less treasury stock		(149,475	)		(147,476	)		-1.4	%		(139,075	)		-7.5	%
Total stockholders' equity		796,386			779,550			2.2	%		732,174			8.8	%
Total liabilities and stockholders' equity	$	7,869,185		$	7,856,731			0.2	%	$	7,677,925			2.5	%

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

	Three Months Ended
	December 31,		September 30,		Percentage			December 31,		Percentage
	2025		2025		Change			2024		Change
Interest and dividend income:
Interest and fees on loans receivable	$	96,592	$	95,691		0.9	%	$	91,545		5.5	%
Interest on securities		6,323		6,592		-4.1	%		5,866		7.8	%
Dividends on FHLB stock		361		357		1.1	%		360		0.3	%
Interest on deposits in other banks		1,837		2,586		-29.0	%		2,342		-21.6	%
Total interest and dividend income		105,113		105,226		-0.1	%		100,113		5.0	%
Interest expense:
Interest on deposits		39,978		42,244		-5.4	%		43,406		-7.9	%
Interest on borrowings		695		324		114.5	%		1,634		-57.5	%
Interest on subordinated debentures		1,561		1,579		-1.1	%		1,624		-3.9	%
Total interest expense		42,234		44,147		-4.3	%		46,664		-9.5	%
Net interest income before credit loss expense		62,879		61,079		2.9	%		53,449		17.6	%
Credit loss expense		1,943		2,145		-9.4	%		945		105.6	%
Net interest income after credit loss expense		60,936		58,934		3.4	%		52,504		16.1	%
Noninterest income:
Service charges on deposit accounts		2,196		2,160		1.7	%		2,192		0.2	%
Trade finance and other service charges and fees		1,735		1,551		11.9	%		1,364		27.2	%
Gain on sale of Small Business Administration ("SBA") loans		1,790		1,857		-3.6	%		1,443		24.0	%
Other operating income		2,578		4,312		-40.2	%		2,358		9.3	%
Total noninterest income		8,299		9,880		-16.0	%		7,357		12.8	%
Noninterest expense:
Salaries and employee benefits		22,472		22,163		1.4	%		20,498		9.6	%
Occupancy and equipment		4,339		4,507		-3.7	%		4,503		-3.6	%
Data processing		4,098		3,860		6.2	%		3,800		7.8	%
Professional fees		2,343		1,978		18.5	%		1,821		28.7	%
Supplies and communications		573		423		35.5	%		551		4.0	%
Advertising and promotion		1,010		712		41.9	%		821		23.0	%
Other operating expenses		4,274		3,714		15.1	%		2,540		68.3	%
Total noninterest expense		39,109		37,357		4.7	%		34,534		13.3	%
Income before tax		30,126		31,457		-4.2	%		25,327		18.9	%
Income tax expense		8,887		9,396		-5.4	%		7,632		16.4	%
Net income	$	21,239	$	22,061		-3.7	%	$	17,695		20.0	%

Basic earnings per share:	$	0.71	$	0.73				$	0.59
Diluted earnings per share:	$	0.70	$	0.73				$	0.58

Weighted-average shares outstanding:
Basic		29,694,534		29,830,475					29,933,644
Diluted		29,902,375		29,880,865					30,011,773
Common shares outstanding		29,894,757		29,975,371					30,195,999


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

	Twelve Months Ended
	December 31,		December 31,		Percentage
	2025		2024		Change
Interest and dividend income:
Interest and fees on loans receivable	$	375,760	$	366,153		2.6	%
Interest on securities		25,345		21,583		17.4	%
Dividends on FHLB stock		1,433		1,436		-0.2	%
Interest on deposits in other banks		8,390		9,611		-12.7	%
Total interest and dividend income		410,928		398,783		3.0	%
Interest expense:
Interest on deposits		164,705		182,692		-9.8	%
Interest on borrowings		3,727		6,746		-44.8	%
Interest on subordinated debentures		6,306		6,571		-4.0	%
Total interest expense		174,738		196,009		-10.9	%
Net interest income before credit loss expense		236,190		202,774		16.5	%
Credit loss expense		14,439		4,419		226.7	%
Net interest income after credit loss expense		221,751		198,355		11.8	%
Noninterest income:
Service charges on deposit accounts		8,742		9,381		-6.8	%
Trade finance and other service charges and fees		6,144		5,309		15.7	%
Gain on sale of Small Business Administration ("SBA") loans		7,808		6,112		27.7	%
Other operating income		11,281		10,783		4.6	%
Total noninterest income		33,975		31,585		7.6	%
Noninterest expense:
Salaries and employee benefits		87,676		83,368		5.2	%
Occupancy and equipment		17,639		18,146		-2.8	%
Data processing		15,472		14,876		4.0	%
Professional fees		7,514		6,956		8.0	%
Supplies and communications		2,028		2,261		-10.3	%
Advertising and promotion		3,104		3,028		2.5	%
Other operating expenses		14,366		12,700		13.1	%
Total noninterest expense		147,799		141,335		4.6	%
Income before tax		107,927		88,605		21.8	%
Income tax expense		31,838		26,404		20.6	%
Net income	$	76,089	$	62,201		22.3	%

Basic earnings per share:	$	2.53	$	2.06
Diluted earnings per share:	$	2.51	$	2.05

Weighted-average shares outstanding:
Basic		29,852,149		30,019,815
Diluted		30,042,274		30,102,336
Common shares outstanding		29,894,757		30,195,999


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

	Three Months Ended
	December 31, 2025								September 30, 2025								December 31, 2024
				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⁾	$	4,004,348		$	57,774		5.72	%	$	3,934,477		$	56,908		5.74	%	$	3,882,407		$	55,613		5.70	%
Residential mortgage		1,043,250			14,134		5.38	%		1,020,889			13,812		5.37	%		936,635			12,279		5.22	%
Commercial and industrial ⁽¹⁾		990,279			17,467		7.00	%		904,019			17,593		7.72	%		777,738			15,653		8.01	%
Consumer		5,508			87		6.29	%		8,323			156		7.43	%		5,894			104		7.02	%
Equipment finance		412,854			7,130		6.91	%		436,727			7,222		6.61	%		500,590			7,896		6.31	%
Loans receivable ⁽¹⁾		6,456,239			96,592		5.94	%		6,304,435			95,691		6.03	%		6,103,264			91,545		5.97	%
Securities ⁽²⁾		955,811			6,323		2.67	%		985,888			6,592		2.70	%		998,313			5,866		2.38	%
FHLB stock		16,385			362		8.75	%		16,385			358		8.65	%		16,385			360		8.75	%
Interest-bearing deposits in other banks		191,731			1,836		3.80	%		239,993			2,585		4.27	%		204,408			2,342		4.56	%
Total interest-earning assets		7,620,166			105,113		5.48	%		7,546,701			105,226		5.54	%		7,322,370			100,113		5.45	%

Noninterest-earning assets:
Cash and due from banks		54,651								53,144								54,678
Allowance for credit losses		(69,786	)							(67,851	)							(69,291	)
Other assets		247,808								252,039								246,744

Total assets	$	7,852,839							$	7,784,033							$	7,554,501

Liabilities and Stockholders' Equity
Interest-bearing liabilities:
Deposits:
Demand: interest-bearing	$	77,297		$	30		0.15	%	$	86,839		$	38		0.17	%	$	79,784		$	26		0.13	%
Money market and savings		2,130,616			15,130		2.82	%		2,122,967			17,238		3.22	%		1,934,540			16,564		3.41	%
Time deposits		2,506,582			24,818		3.93	%		2,494,285			24,968		3.97	%		2,346,363			26,816		4.55	%
Total interest-bearing deposits		4,714,495			39,978		3.36	%		4,704,091			42,244		3.56	%		4,360,687			43,406		3.96	%
Borrowings		64,565			695		4.27	%		27,772			324		4.63	%		141,604			1,634		4.59	%
Subordinated debentures		130,385			1,561		4.79	%		130,766			1,579		4.83	%		130,567			1,624		4.97	%
Total interest-bearing liabilities		4,909,445			42,234		3.41	%		4,862,629			44,147		3.60	%		4,632,858			46,664		4.01	%

Noninterest-bearing liabilities and equity:
Demand deposits: noninterest-bearing		1,969,908								1,960,331								1,967,789
Other liabilities		142,754								142,592								162,064
Stockholders' equity		830,732								818,481								791,790

Total liabilities and stockholders' equity	$	7,852,839							$	7,784,033							$	7,554,501

Net interest income				$	62,879							$	61,079							$	53,449

Cost of deposits							2.37	%							2.51	%							2.73	%
Net interest spread (taxable equivalent basis)							2.07	%							1.94	%							1.44	%
Net interest margin (taxable equivalent basis)							3.28	%							3.22	%							2.91	%



⁽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)

	Twelve Months Ended
	December 31, 2025								December 31, 2024
				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⁾	$	3,963,919		$	225,929		5.70	%	$	3,874,291		$	219,899		5.68	%
Residential mortgage		1,004,057			53,950		5.37	%		952,709			49,344		5.18	%
Commercial and industrial ⁽¹⁾		878,181			65,518		7.46	%		741,568			63,651		8.58	%
Consumer		7,127			501		7.03	%		6,509			486		7.46	%
Equipment finance		449,440			29,862		6.64	%		535,636			32,773		6.12	%
Loans receivable ⁽¹⁾		6,302,724			375,760		5.96	%		6,110,713			366,153		5.99	%
Securities ⁽²⁾		984,172			25,345		2.60	%		983,434			21,583		2.22	%
FHLB stock		16,385			1,433		8.74	%		16,385			1,437		8.76	%
Interest-bearing deposits in other banks		202,152			8,390		4.15	%		192,342			9,610		5.00	%
Total interest-earning assets		7,505,433			410,928		5.48	%		7,302,874			398,783		5.46	%

Noninterest-earning assets:
Cash and due from banks		53,861								55,830
Allowance for credit losses		(69,373	)							(68,553	)
Other assets		249,812								248,820

Total assets	$	7,739,733							$	7,538,971

Liabilities and Stockholders' Equity
Interest-bearing liabilities:
Deposits:
Demand: interest-bearing	$	81,213		$	124		0.15	%	$	83,807		$	119		0.14	%
Money market and savings		2,100,326			66,147		3.15	%		1,870,541			68,304		3.65	%
Time deposits		2,445,794			98,434		4.02	%		2,433,516			114,269		4.70	%
Total interest-bearing deposits		4,627,333			164,705		3.56	%		4,387,864			182,692		4.16	%
Borrowings		82,512			3,727		4.52	%		154,193			6,746		4.38	%
Subordinated debentures		130,687			6,306		4.83	%		130,325			6,571		5.04	%
Total interest-bearing liabilities		4,840,532			174,738		3.61	%		4,672,382			196,009		4.20	%

Noninterest-bearing liabilities and equity:
Demand deposits: noninterest-bearing		1,940,552								1,920,492
Other liabilities		142,508								165,288
Stockholders' equity		816,141								780,809

Total liabilities and stockholders' equity	$	7,739,733							$	7,538,971

Net interest income				$	236,190							$	202,774

Cost of deposits							2.51	%							2.90	%
Net interest spread (taxable equivalent basis)							1.87	%							1.27	%
Net interest margin (taxable equivalent basis)							3.15	%							2.78	%


⁽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)

Hanmi Financial Corporation and Subsidiaries	December 31,			September 30,			June 30,			March 31,			December 31,
Hanmi Financial Corporation and Subsidiaries	2025			2025			2025			2025			2024
Assets	$	7,869,185		$	7,856,731		$	7,862,363		$	7,729,035		$	7,677,925
Less goodwill and other intangible assets		(11,031	)		(11,031	)		(11,031	)		(11,031	)		(11,031	)
Tangible assets	$	7,858,154		$	7,845,700		$	7,851,332		$	7,718,004		$	7,666,894

Stockholders' equity ⁽¹⁾	$	796,386		$	779,550		$	762,834		$	751,485		$	732,174
Less goodwill and other intangible assets		(11,031	)		(11,031	)		(11,031	)		(11,031	)		(11,031	)
Tangible stockholders' equity ⁽¹⁾	$	785,355		$	768,519		$	751,803		$	740,454		$	721,143

Stockholders' equity to assets		10.12	%		9.92	%		9.70	%		9.72	%		9.54	%
Tangible common equity to tangible assets⁽¹⁾		9.99	%		9.80	%		9.58	%		9.59	%		9.41	%

Common shares outstanding		29,894,757			29,975,371			30,176,568			30,233,514			30,195,999
Tangible common equity per common share	$	26.27		$	25.64		$	24.91		$	24.49		$	23.88


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

Preprovision Net Revenue

Preprovision net revenue 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 revenue, management can better understand the Company’s profitability and make more informed strategic decisions. Preprovision net revenue is calculated adding income tax expense and credit loss expense to net income. Management believes this financial measure highlights the Company's net revenue activities and operational efficiency, excluding unpredictable credit loss expense.

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


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

											Percentage Change
Hanmi Financial Corporation and Subsidiaries	December 31,		September 30,		June 30,		March 31,		December 31,		Q4-25			Q4-25
Hanmi Financial Corporation and Subsidiaries	2025		2025		2025		2025		2024		vs. Q3-25			vs. Q4-24
Net income	$	21,239	$	22,061	$	15,117	$	17,672	$	17,695
Add back:
Credit loss expense		1,943		2,145		7,631		2,721		945
Income tax expense		8,887		9,396		6,115		7,441		7,632
Preprovision net revenue	$	32,069	$	33,602	$	28,863	$	27,834	$	26,272		-4.6	%		22.1	%

Source: Hanmi Bank

Hanmi Financial Corporation Announces Fourth Quarter 2025 Earnings and Conference Call Date

Tue, 13 Jan 2026 16:05:00 -0500

LOS ANGELES, Jan. 13, 2026 (GLOBE NEWSWIRE) -- Hanmi Financial Corporation (Nasdaq: HAFC) (“Hanmi”), the holding company for Hanmi Bank, today announced that it will report fourth quarter 2025 financial results after the market close on Tuesday, January 27, 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 January 27 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 $0.27 per share

Fri, 24 Oct 2025 08:00:00 -0400

LOS ANGELES, Oct. 24, 2025 (GLOBE NEWSWIRE) -- Hanmi Financial Corporation (NASDAQ: HAFC, or “Hanmi”), 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 2025 fourth quarter of $0.27 per share. The dividend will be paid on November 20, 2025, to stockholders of record as of the close of business on November 4, 2025.

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.

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.

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 retaliatory responses;
the impact of the current federal government shutdown, including 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;
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 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

Hanmi Bank Earns Double Recognition in American Banker’s 2025 Most Powerful Women in Banking Honors

Thu, 23 Oct 2025 16:12:00 -0400

Anna Chung Named to Most Powerful Women in Banking's Women to Watch list and Hanmi Bank’s Community Lending Division Recognized as a 2025 Most Powerful Women in Banking Top Team

LOS ANGELES, Oct. 23, 2025 (GLOBE NEWSWIRE) -- Hanmi Financial Corporation (NASDAQ: HAFC, or “Hanmi”), and its wholly-owned subsidiary, Hanmi Bank (the “Bank”), today announced that Anna Chung, Executive Vice President and Chief Community Lending Officer, has been named to the 2025 Most Powerful Women in Banking's Women to Watch, presented annually by American Banker. In addition, Hanmi’s Community Lending Division has been recognized as one of the five American Banker’s Most Powerful Women in Banking Top Teams for 2025 – an annual list honoring exceptional collaboration, leadership, and business performance services industry.

Now in its 23rd year, the Most Powerful Women in Banking™ honors women across the banking and finance industry who are leading transformation within their organizations and shaping the future of the financial services sector. The Women to Watch list specifically recognizes rising executive leaders who are on a significant upward trajectory in their careers, combining bold leadership with measurable business results. The Top Teams distinction highlights cross-functional departments that are comprised of at least 50% women and have demonstrated significant impact in their organization. The Women to Watch and Top Teams honorees are being celebrated at The Most Powerful Women in Banking™ Gala, taking place this evening in New York City.

“We are thrilled that both Anna and the Community Lending Division she leads have each been recognized by the 2025 Most Powerful Women in Banking™ honors,” said Bonnie Lee, President and Chief Executive Officer. “Anna exemplifies the very best of Hanmi – her strategic acumen, innovative approach to community lending, and deep commitment to supporting small businesses have been instrumental to our success. Her leadership and dedication to our clients and communities make her an invaluable member of our executive team, and we are proud to see Anna’s achievements honored.”

“These leaders have the ability to balance 'big picture' thinking with operational discipline,” said Holly Sraeel, Founder of The Most Powerful Women in Banking™ and SVP of Strategy and Content, American Banker Live Media. “The key to their success is that they anticipate market shifts, prepare for regulatory changes and adapt to technology trends.”

Lee continued, “The Top Teams recognition reflects the extraordinary dedication and expertise of our SBA and community banking professionals. Supporting entrepreneurs and underrepresented communities has always been central to Hanmi’s mission since our founding more than four decades ago. I am proud of our team’s unwavering commitment to expanding access to capital and building lasting relationships that help small businesses thrive.”

About American Banker
American Banker is the essential resource for senior executives in banking and financial services, keeping its members updated on vital developments and focusing sharply on their most important concerns — innovation, transformation and disruption; technology, regulation and reform. Financial industry professionals turn to American Banker every day and throughout the day to stay informed — drilling down on complex issues, keeping up with breaking news and downloading research and data.

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.

Media Contact:
Kelly McAndrew
Financial Profiles
Kmcandrew@finprofiles.com
310-622-8239

Photos accompanying this announcement are available at:
https://www.globenewswire.com/NewsRoom/AttachmentNg/90a23de3-346e-435b-bccd-14c27d95cdcc
https://www.globenewswire.com/NewsRoom/AttachmentNg/c17bff90-4c25-4cc9-9f55-01bd9bd6af92

Anna Chung

Anna Chung, Executive Vice President and Chief Community Lending Officer

Hanmi Bank's Community Lending Division

Hanmi Bank's Community Lending Division (names clockwise beginning with top left) Anna Chung, Laura Kim, Sonya Song, Christina Choi, Helena Kim, and Julie Kim

Source: Hanmi Bank