Minimum

Minimum to Be

Regulatory

Categorized as

Actual

Requirement

“Well Capitalized”

Amount

Ratio

Amount

Ratio

Amount

Ratio

(dollars in thousands)

September 30, 2025

Total capital (to risk-weighted assets):

Hanmi Financial

$

1,008,479

15.05

%

$

536,132

8.00

%

N/A

N/A

Hanmi Bank

$

957,077

14.28

%

$

536,183

8.00

%

$

670,229

10.00

%

Tier 1 capital (to risk-weighted assets):

Hanmi Financial

$

826,096

12.33

%

$

402,099

6.00

%

N/A

N/A

Hanmi Bank

$

884,694

13.20

%

$

402,137

6.00

%

$

536,183

8.00

%

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

Hanmi Financial

$

804,474

12.00

%

$

301,575

4.50

%

N/A

N/A

Hanmi Bank

$

884,694

13.20

%

$

301,603

4.50

%

$

435,649

6.50

%

Tier 1 capital (to average assets):

Hanmi Financial

$

826,096

10.64

%

$

310,535

4.00

%

N/A

N/A

Hanmi Bank

$

884,694

11.46

%

$

308,726

4.00

%

$

385,908

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

%