Minimum

Minimum to Be

Regulatory

Categorized as

Actual

Requirement

“Well Capitalized”

Amount

Ratio

Amount

Ratio

Amount

Ratio

(dollars in thousands)

September 30, 2026

Total capital (to risk-weighted assets):

Hanmi Financial

$

997,427

14.43

%

$

552,920

8.00

%

N/A

N/A

Hanmi Bank

$

988,393

14.30

%

$

552,950

8.00

%

$

691,187

10.00

%

Tier 1 capital (to risk-weighted assets):

Hanmi Financial

$

869,774

12.58

%

$

414,690

6.00

%

N/A

N/A

Hanmi Bank

$

915,740

13.25

%

$

414,712

6.00

%

$

552,950

8.00

%

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

Hanmi Financial

$

847,732

12.27

%

$

311,017

4.50

%

N/A

N/A

Hanmi Bank

$

915,740

13.25

%

$

311,034

4.50

%

$

449,272

6.50

%

Tier 1 capital (to average assets):

Hanmi Financial

$

869,774

10.82

%

$

321,431

4.00

%

N/A

N/A

Hanmi Bank

$

915,740

11.43

%

$

320,381

4.00

%

$

400,476

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

%