Los Angeles, CA · Cert 24170 · Hanmi Financial Corp.
State charter, non-member · FDIC · 33 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=17 to 19). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
42
Asset Quality
59
Profitability
51
Liquidity
98
Efficiency
53
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Los Angeles, CA · Cert 24170 · Hanmi Financial Corp.
State charter, non-member · FDIC · 33 branches
Q2 2026
Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 0.8% share · #21 of 107 inst. · $5.3B of $667.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.90% | 0.94% | 1.03% | 0.96% | 1.05% | 1.09% | 1.25% | 1.28% | +32 bps | |
| Return on Equity | 8.51% | 8.85% | 9.57% | 8.89% | 9.72% | 9.98% | 11.14% | 11.38% | +248 bps | |
| Net Interest Margin | 2.73% | 2.77% | 2.98% | 3.00% | 3.05% | 3.09% | 3.34% | 3.31% | +32 bps | |
| Efficiency Ratio | 57.29% | 56.47% | 52.36% | 52.56% | 51.51% | 51.63% | 51.32% | 51.12% | -144 bps | |
| Non-Interest Burden | 1.37% | 1.37% | 1.35% | 1.36% | 1.34% | 1.37% | 1.46% | 1.46% | +10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.90% | 1.36% | 2.78% | 3.58% | 1.74% | 2.42% | 1.37% | 1.74% | -183 bps | |
| Loan Growth (YoY) | 4.63% | 1.06% | 1.81% | 2.73% | 3.53% | 4.97% | 4.07% | 3.10% | +37 bps | |
| Deposit Growth (YoY) | 2.36% | 2.53% | 3.81% | 6.33% | 5.54% | 3.71% | 2.65% | 3.35% | -298 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.68% | 0.23% | 0.57% | 0.41% | 0.30% | 0.28% | 0.19% | 0.15% | -26 bps | |
| Net Charge-Offs / Loans | 0.09% | 0.07% | 0.12% | 0.42% | 0.26% | 0.22% | 0.16% | 0.12% | -30 bps | |
| Allowance / Loans | 1.10% | 1.12% | 1.12% | 1.05% | 1.07% | 1.06% | 1.08% | 1.08% | +3 bps | |
| Allowance Coverage of NPLs | 1.6x | 4.9x | 2.0x | 2.6x | 3.6x | 3.9x | 5.7x | 7.1x | +4.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.43% | 11.47% | 11.49% | 11.43% | 11.46% | 11.47% | 11.74% | 11.71% | +28 bps | |
| Total Risk-Based Capital | 14.27% | 14.43% | 14.47% | 14.39% | 14.28% | 14.25% | 14.45% | 14.48% | +9 bps | |
| Equity / Assets | 10.67% | 10.64% | 10.81% | 10.76% | 11.00% | 11.16% | 11.33% | 11.18% | +41 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.37% | 97.10% | 94.99% | 94.32% | 96.49% | 98.27% | 96.30% | 94.09% | -23 bps | |
| Liquid Assets / Assets | 2.82% | 3.33% | 3.29% | 3.90% | 1.91% | 1.89% | 2.52% | 3.48% | -42 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 448% | 447% | 437% | n/a | n/a | |
Los Angeles, CA · Cert 24170 · Peer group: banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=17-19) · Hanmi Financial Corp.
State charter, non-member · FDIC · 33 branches
Q2 2026
Return on Assets
1.26%
Rank 10 of 19
Net Interest Margin
3.31%
Rank 8 of 19
Efficiency Ratio
51.12%
Rank 10 of 19
Equity / Assets
11.18%
Rank 10 of 19
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.26% | 1.10% | 1.26% | 1.57% | Beats 47% | 10 / 19 | ||
| Return on Equity | 11.28% | 8.62% | 11.28% | 14.70% | Beats 47% | 10 / 19 | ||
| Net Interest Margin | 3.31% | 3.07% | 3.30% | 3.62% | Beats 58% | 8 / 19 | ||
| Efficiency Ratio | 51.12% | 33.01% | 51.12% | 56.65% | Beats 53% | 10 / 19 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.15% | 0.37% | 0.80% | 1.55% | Beats 94% | 2 / 17 | ||
| Net Charge-Offs / Loans | 0.08% | 0.00% | 0.01% | 0.05% | Beats 24% | 14 / 17 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.40% | 12.10% | 14.67% | 23.92% | Beats 42% | 11 / 19 | ||
| Total Risk-Based Capital Ratio | 14.48% | 13.35% | 14.67% | 24.05% | Beats 37% | 12 / 19 | ||
| Equity / Assets | 11.18% | 9.84% | 11.18% | 14.01% | Beats 47% | 10 / 19 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 94.09% | 79.34% | 95.16% | 100.04% | 42nd pctl | 11 / 19 | ||
| Loans / Assets | 82.37% | 69.86% | 77.55% | 83.04% | 68th pctl | 6 / 19 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||