Actual

Minimum Regulatory
Requirement

Minimum to be
Categorized as
“Well Capitalized”

Amount

Ratio

Amount

Ratio

Amount

Ratio

(dollars in thousands)

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

%

December 31, 2023

Total capital (to risk-weighted assets):

Hanmi Financial

$

947,286

14.95

%

$

506,891

8.00

%

N/A

N/A

Hanmi Bank

$

904,153

14.27

%

$

506,741

8.00

%

$

633,426

10.00

%

Tier 1 capital (to risk-weighted assets):

Hanmi Financial

$

773,179

12.20

%

$

380,168

6.00

%

N/A

N/A

Hanmi Bank

$

840,046

13.26

%

$

380,056

6.00

%

$

506,741

8.00

%

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

Hanmi Financial

$

751,516

11.86

%

$

285,126

4.50

%

N/A

N/A

Hanmi Bank

$

840,046

13.26

%

$

285,042

4.50

%

$

411,727

6.50

%

Tier 1 capital (to average assets):

Hanmi Financial

$

773,179

10.37

%

$

298,277

4.00

%

N/A

N/A

Hanmi Bank

$

840,046

11.32

%

$

296,948

4.00

%

$

371,185

5.00

%