Minimum

Minimum to Be

Regulatory

Categorized as

Actual

Requirement

“Well Capitalized”

Amount

Ratio

Amount

Ratio

Amount

Ratio

(dollars in thousands)

March 31, 2026

Total capital (to risk-weighted assets):

Hanmi Financial

$

1,030,325

15.22

%

$

541,435

8.00

%

N/A

N/A

Hanmi Bank

$

977,985

14.45

%

$

541,456

8.00

%

$

676,820

10.00

%

Tier 1 capital (to risk-weighted assets):

Hanmi Financial

$

847,283

12.52

%

$

406,076

6.00

%

N/A

N/A

Hanmi Bank

$

904,943

13.37

%

$

406,092

6.00

%

$

541,456

8.00

%

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

Hanmi Financial

$

825,453

12.20

%

$

304,557

4.50

%

N/A

N/A

Hanmi Bank

$

904,943

13.37

%

$

304,569

4.50

%

$

439,933

6.50

%

Tier 1 capital (to average assets):

Hanmi Financial

$

847,283

10.93

%

$

310,153

4.00

%

N/A

N/A

Hanmi Bank

$

904,943

11.74

%

$

308,220

4.00

%

$

385,275

5.00

%

December 31, 2025

Total capital (to risk-weighted assets):

Hanmi Financial

$

1,020,898

15.06

%

$

542,150

8.00

%

N/A

N/A

Hanmi Bank

$

965,543

14.25

%

$

542,197

8.00

%

$

677,747

10.00

%

Tier 1 capital (to risk-weighted assets):

Hanmi Financial

$

838,150

12.37

%

$

406,612

6.00

%

N/A

N/A

Hanmi Bank

$

892,795

13.17

%

$

406,648

6.00

%

$

542,197

8.00

%

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

Hanmi Financial

$

816,424

12.05

%

$

304,959

4.50

%

N/A

N/A

Hanmi Bank

$

892,795

13.17

%

$

304,986

4.50

%

$

440,535

6.50

%

Tier 1 capital (to average assets):

Hanmi Financial

$

838,150

10.70

%

$

313,270

4.00

%

N/A

N/A

Hanmi Bank

$

892,795

11.47

%

$

311,425

4.00

%

$

389,281

5.00

%