Actual

Minimum Regulatory
Requirement

Minimum to be
Categorized as
“Well Capitalized”

Amount

Ratio

Amount

Ratio

Amount

Ratio

(dollars in thousands)

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

%

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

%