Minimum

Minimum to Be

Regulatory

Categorized as

Actual

Requirement

“Well Capitalized”

Amount

Ratio

Amount

Ratio

Amount

Ratio

(dollars in thousands)

March 31, 2025

Total capital (to risk-weighted assets):

Hanmi Financial

$

994,327

15.28

%

$

520,255

8.00

%

N/A

N/A

Hanmi Bank

$

941,548

14.47

%

$

520,218

8.00

%

$

650,273

10.00

%

Tier 1 capital (to risk-weighted assets):

Hanmi Financial

$

810,836

12.46

%

$

390,191

6.00

%

N/A

N/A

Hanmi Bank

$

868,057

13.34

%

$

390,164

6.00

%

$

520,218

8.00

%

Common equity Tier 1 capital (to risk-weighted assets)

Hanmi Financial

$

788,625

12.12

%

$

292,643

4.50

%

N/A

N/A

Hanmi Bank

$

868,057

13.34

%

$

292,623

4.50

%

$

422,677

6.50

%

Tier 1 capital (to average assets):

Hanmi Financial

$

810,836

10.67

%

$

303,867

4.00

%

N/A

N/A

Hanmi Bank

$

868,057

11.49

%

$

302,158

4.00

%

$

377,697

5.00

%

December 31, 2024

Total capital (to risk-weighted assets):

Hanmi Financial

$

979,843

15.24

%

$

514,455

8.00

%

N/A

N/A

Hanmi Bank

$

927,882

14.43

%

$

514,406

8.00

%

$

643,007

10.00

%

Tier 1 capital (to risk-weighted assets):

Hanmi Financial

$

801,040

12.46

%

$

385,841

6.00

%

N/A

N/A

Hanmi Bank

$

859,079

13.36

%

$

385,804

6.00

%

$

514,406

8.00

%

Common equity Tier 1 capital (to risk-weighted assets)

Hanmi Financial

$

778,941

12.11

%

$

289,381

4.50

%

N/A

N/A

Hanmi Bank

$

859,079

13.36

%

$

289,353

4.50

%

$

417,955

6.50

%

Tier 1 capital (to average assets):

Hanmi Financial

$

801,040

10.63

%

$

301,346

4.00

%

N/A

N/A

Hanmi Bank

$

859,079

11.47

%

$

299,771

4.00

%

$

374,714

5.00

%