Minimum

Minimum to Be

Regulatory

Categorized as

Actual

Requirement

“Well Capitalized”

Amount

Ratio

Amount

Ratio

Amount

Ratio

(dollars in thousands)

June 30, 2025

Total capital (to risk-weighted assets):

Hanmi Financial

$

996,444

15.20

%

$

524,002

8.00

%

N/A

N/A

Hanmi Bank

$

942,875

14.39

%

$

523,995

8.00

%

$

654,993

10.00

%

Tier 1 capital (to risk-weighted assets):

Hanmi Financial

$

816,687

12.46

%

$

393,002

6.00

%

N/A

N/A

Hanmi Bank

$

873,118

13.32

%

$

392,996

6.00

%

$

523,995

8.00

%

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

Hanmi Financial

$

794,364

12.12

%

$

294,751

4.50

%

N/A

N/A

Hanmi Bank

$

873,118

13.32

%

$

294,747

4.50

%

$

425,746

6.50

%

Tier 1 capital (to average assets):

Hanmi Financial

$

816,687

10.63

%

$

307,282

4.00

%

N/A

N/A

Hanmi Bank

$

873,118

11.43

%

$

305,481

4.00

%

$

381,851

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

%